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by KeenEthics
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dendryq

By dendryq, S.L.

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Overview

dendryq lets you compare credit cards in Portugal and Spain. Ask for every card in a country, for one bank’s cards, or for one card by name. For each card you get the annual fee and how to avoid it, the interest rate (TAN in Portugal, TIN in Spain), rewards, and a link to the bank’s own page. To make cards comparable, dendryq calculates every card’s APR (TAEG in Portugal, TAE in Spain) on the same example: €1,500 repaid over 12 months. The bank’s own APR is also available for each card, with the date the terms were last checked. Revolving and pay-at-end-of-month cards are listed separately, as are bank cards and store or co-brand cards. This is information, not financial advice and not an application. dendryq does not approve credit and does not collect your name, phone number or other personal data.

Tools

search_credit_cards

Claude
Published credit-card terms for Portugal (PT) or Spain (ES). A call with only the country returns every card still sold to new customers in that country, so a question such as the cheapest card in Portugal is one call. The default card is short: bank, product, card_family (revolving or deferred), annual_fee_eur, annual_fee_waiver_detail, tan_purchases_pct, taeg_pct, rewards, source_url. tan_purchases_pct is the nominal interest rate on purchases (TAN in Portugal, TIN in Spain). taeg_pct is dendryq's comparable APR (TAEG in Portugal, TAE in Spain), always calculated on €1,500 drawn on day 0 and repaid in 12 equal monthly capital instalments. Portugal adds 4% stamp duty on interest and on fixed fees, and 0.141% a month on the balance. Spain adds neither. It can differ from the APR the bank publishes, because banks use different examples. Pass product with the card name, or set include_features to true, for every other field, including the bank's own APR and the dates last_checked and last_changed. Naming the card also returns it when it is no longer sold. card_family is revolving or deferred. acceptance is universal or private_label. bank is an issuer name or id. The tool reads stored terms. It does not approve a credit limit and it does not contact the bank.

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