A high credit limit, cashback, and other exclusive benefits are waiting for you!

The Stori Black Credit Card is a modern and practical option, ideal for those who want a credit card with real benefits. No hassle and easy to use.

With it, you get access to benefits like 1% cashback on all purchases, along with a series of exclusive advantages. All with no annual fee.

Flexibility is another strong point, allowing you to split your purchases into up to 12 installments, with fully digital credit management.

If you’re looking for a card that offers more control and financial benefits, get to know the Stori Black Credit Card and take advantage of all its perks!

Get to Know the Stori Black Credit Card: 1% Cashback and Zero Annual Fee.

The Stori Black Credit Card is issued by Stori Bank, a highly reputable digital financial institution in Mexico focused on practical and accessible solutions.

Stori Bank has distinguished itself through transparency and innovation in the credit market, offering easy-to-access financial products to a wide audience.

The initial credit limits may vary but usually start at around $5,000, with the possibility of increasing as the customer maintains a good credit history.

Many people apply for the Stori Black Credit Card due to its combination of cashback, no annual fee, and simple app management, providing more financial control.

Main Benefits of the Stori Black Credit Card

The Stori Black Credit Card offers several benefits that make financial management more practical and advantageous. Discover how it can transform your daily life.

With benefits like cashback, flexible payments, and advanced security, this card is ideal for those seeking control, savings, and convenience in their personal finances.

1% Cashback

1% cashback is one of the main attractions of the Stori Black Credit Card. You get 1% back on every purchase, whether in Mexico or abroad.

This benefit works on all purchases, without exception, and can be accumulated to use as credit on your bill. A great way to save.

With this cashback, you turn your daily expenses into opportunities to earn back a part of what you spend. Perfect for those who make many purchases.

No Annual Fee

One of the biggest differentiators of the Stori Black Credit Card is the absence of an annual fee. This means you won’t have to pay any fixed fees to use the card.

Without the annual fee charge, the card becomes even more accessible, allowing you to enjoy all the benefits without worrying about additional costs throughout the year.

This advantage makes the Stori Black Credit Card a smart choice for those who want to maximize the card’s benefits without incurring extra costs.

Flexible Payments

With the Stori Black Credit Card, you can split your purchases into up to 12 installments, adding flexibility to your budget.

This feature is excellent for larger purchases, allowing for easier planning. You choose the number of installments that best suits your cash flow.

Payment flexibility also includes the option to pay the full amount or the minimum due, simplifying the management of monthly finances.

High Credit Limit

The Stori Black Credit Card offers a competitive initial credit limit, which can vary depending on the credit analysis and your financial history.

With higher limits, the card adapts to your consumption needs, allowing you to make larger purchases without worrying about your credit limit.

Additionally, this limit can be reviewed and increased over time as you maintain a good financial relationship with the bank.

Security Technology

Your card’s security is a priority with the Stori Black Credit Card. It comes with an EMV chip, ensuring protection for both in-person and online purchases.

Furthermore, the card is equipped with contactless payment technology, making transactions faster and more secure without needing to enter a PIN for small purchases.

The dynamic CVC, which changes with each transaction, adds an extra layer of security, especially for online purchases.

App Management

Managing your Stori Black Credit Card has never been easier. The app lets you track your spending, make payments, and check your balance quickly and easily.

With the app, you have full control of your card in the palm of your hand, allowing you to adjust your finances with just a few taps on the screen.

Additionally, the app provides real-time notifications, keeping you informed about your account status, bills, and credit limits.

Eligibility Requirements for Applying for the Stori Black Credit Card

To apply for the Stori Black Credit Card, you need to meet a few eligibility requirements defined by the institution. Check out the main ones below:

• Be over 18 years old
• Have an official Mexican ID (INE)
• Provide proof of recent residency (no older than 3 months)
• Provide proof of income (depending on credit analysis)

By meeting these requirements, you can move forward with your Stori Black Credit Card application in a simple and quick process.

Step-by-Step to Apply for the Stori Black Credit Card

Applying for the Stori Black Credit Card is a quick and simple process. Follow the steps below to complete your application successfully:

• Download the Stori app (available for Android and iOS).
• Fill out the application with your personal details on the app.
• Wait for approval, which usually takes up to 24 hours.
• If approved, receive your card for free at your address.

Now that you know the steps, just follow them and wait for approval for your new Stori Black Credit Card!

Applicable Fees for the Stori Black Credit Card

The Stori Black Credit Card is an excellent option for those seeking a card with real benefits, but it’s important to pay attention to the fees that may apply.

Understanding the fees and commissions is essential for using the card responsibly. Below is a breakdown of each of the fees applicable to the Stori Black.

Contracting Fee

The contracting fee for the Stori Black Credit Card ranges from $0 to $500, depending on the bank’s analysis and your credit profile.

This fee is charged only once at the time of approval, meaning you won’t have to pay it again once it’s deducted from your credit limit.

For example, if a $300 fee is approved, this amount will be deducted directly from your credit limit, making it a one-time initial cost.

This fee applies only at the initial request, ensuring that your card usage process is free of recurring contracting fees after approval.

Card Replacement

In case of loss or theft, a card replacement fee of $150, plus applicable VAT, will be charged for the Stori Black Credit Card.

Additionally, if the card is damaged and needs to be replaced, the replacement fee will also be the same, ensuring you get a new card quickly.

This fee applies to events such as theft, loss, or damage to the card. It’s important to keep the card in a safe place to avoid additional replacement costs.

For example, if your card is damaged, the fee will be approximately $175, including VAT, and you will receive a new card promptly.

Cash Withdrawal

Withdrawing money from an ATM with the Stori Black Credit Card incurs a 10% fee on the amount withdrawn, both in Mexico and abroad.

For example, if you withdraw $1,000, the fee will be $100. That means you’ll be withdrawing a total of $1,100 from the ATM.

This fee is applied to each withdrawal, and the amount withdrawn directly impacts your credit limit, as well as generating additional costs for the transaction.

Avoiding the use of credit for ATM withdrawals can help reduce extra costs and keep your finances under control.

Balance Inquiry

If you check your balance for the Stori Black Credit Card at ATMs from other financial institutions, a fee of $10 + VAT per inquiry will be charged.

If you make multiple inquiries throughout the month, the amount accumulates. For example, 3 inquiries in one month will cost approximately $30 + VAT in total.

However, checking your balance through the Stori app is free of charge, making it a more convenient and cost-effective alternative.

This ATM inquiry fee covers operational costs but can be avoided by using the app to monitor your balance.

Late Payment Fee

If you don’t make the minimum payment on the Stori Black Credit Card by the due date, a fee of $300 + VAT will be charged for each event.

Additionally, this late payment could generate interest on the outstanding balance, increasing the cost of the credit. For example, 105.7% interest annually can be applied.

This fee is charged to cover administrative costs and also to encourage timely payment, preventing the accumulation of debt in the future.

It’s important to always try to pay the minimum payment to avoid this fee and maintain a healthy credit history, avoiding extra costs.

Improper Clarification Fee

If you make an improper charge dispute on the Stori Black Credit Card, a fee of $300 + VAT will be charged if the bank’s analysis finds it to be unjustified.

This fee is applied when the bank determines there is no error in the charge, such as in cases of disputes without valid or proven justification, incurring costs for the process.

For example, if you dispute a $500 purchase that was genuinely made, the clarification fee will be charged, resulting in additional costs to resolve the issue.

To avoid this fee, it’s important to check all charge details before submitting a dispute, ensuring there is actually an error before requesting a review.

Fixed Annual Interest Rate

If you don’t pay the full balance of the Stori Black Credit Card, an annual fixed interest rate of 105.7% will be applied to the outstanding balance.

For example, if you don’t pay $1,000 from the bill, the interest on this amount over a year would be $105.70 if you don’t pay the full amount.

The interest rate is calculated proportionally to the days of delay. Therefore, the faster you pay, the less interest will be applied to the outstanding balance.

This rate helps cover the costs of revolving credit, but paying the bill in full avoids these interest charges and allows you to enjoy the card’s benefits better.

Total Annual Cost (CAT)

The Total Annual Cost (CAT) of the Stori Black Credit Card is 172.3% without VAT, reflecting the total credit cost over one year, considering all applicable fees.

This index is useful for evaluating the total cost of credit over one year, taking into account interest, commissions, and other fees that may be charged.

For example, if you leave an outstanding balance of $1,000 for a whole year, the CAT will indicate that you would pay around $1,723 in total costs.

Understanding the CAT helps plan card usage more efficiently, avoiding surprises and keeping costs under control throughout the year.

結論

The Stori Black Credit Card is ideal for those who want benefits like 1% cashback, no annual fee, and ease of use in everyday life.

Its application process is simple and hassle-free, with a fast review and approval within 24 hours if all requirements are met.

Understanding the fees is essential to make the most of the card. As we saw, replacement and withdrawal fees need to be used carefully.

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