• CR Cobranzas Regionales
  • CR Cobranzas Regionales
  • CR Cobranzas Regionales
We listen to their needs and think the best way for management their accounts receivable.

We are also recognized for our ability to innovate and our results-oriented focus. We add value, because we are continuing learning and specializing our knowledge to the collection management.

We focus in business processes in order to generate efficiency and ensuring the best service to our customers. We listen to their needs and think the best way for management their accounts receivable.


Collection System only for users:

Lawyers Companies
Social Responsibility
Mission Vision

To provide collection management to regional credit cards, with the latest technology and specialized suppliers, through a highly qualified, happy and motivated team of employees (whom we call collaborators).

Cobranzas Regionales agree with Tarjeta Naranja Company's culture values; they describe what the company wants to reach. They are non-negotiable working practices. All our employees, including leadership members must understand them, accept them, share them, respect them and enforce them. These are our four values: Happiness at work; Continuous improvement at work; Inverted pyramid way of work and Open door-policy.

Social Responsibility

To provide the best collection management to Tarjetas Regionales S.A. group with the most competitive rates in the consumer credit industry.


Happiness at work

Continuous improvement

Inverted pyramid

Open door-policy

We want our employees to be happy and comfortable in their workplace in order to make each day a good and positive day. This value commits us to feeling well and satisfied, to make friends that share the same feelings and aspirations.

Each day at work is an opportunity to improve, in order to generate new and good ideas. If those good and new ideas of one employee are combined with those of another employee, Continuous improvement at work is a fact. Continuous Improvement at work is an unlimited search in our routine.

We are all focus on customer service: the most knowledgeable and those who have more experiences (leaderships) are situated at the base of the pyramid. The customers (the present and future of the company) are situated upwards the pyramid, towards the highest level, next to our newest employees. In the pyramid, each level and their employees, helps y support the previous one, because they have the necessary knowledge, experience and huge responsibilities.

In our company, every door is open to everybody at any time. There is always someone willing to listen and to channel suggestions. Our means of communications are always available. We are all here to listen.

Including diagnoses, strategic planning, undertake actions and their supervision. We offer a multi- channel management model.

Development of an updated and complete data base.

Scoring. Judicial and extra judicial management. Bad and old debts.

We are based on our services and technology, our philosophy, culture values and trained employees, so we guarantee you excellent results.

Personal Data Protection

Tarjeta Naranja S.A.: Tarjeta Naranja is leader, because it is the first credit card issuer in the country. It was created en 1985, in Córdoba city, Argentina. During 1995, Banco de Galicia becomes a shareholder, in order to provide a great expansion across the country, also offering new financial services for credit card holders. In 1998, Tarjeta Naranja achieves a strategic alliance with VISA, increasing additional benefits for the credit card holders in the country and around the world. In 2005 and 2007 new alliances were generated: MASTERCARD and AMERICAN EXPRESS. In 2011, Tarjeta Naranja arrived to Perú. Nowadays, Tarjeta Naranja's credit holders are 3 million, and it has 187 branches in the country, across 21 provinces and the Autonomous City of Buenos Aires www.tarjetanaranja.com.ar

Efectivo SI: It was created in 1982 as an opened commercial agent and becomes a company focused on providing financial services to a very specific demand on those days. In June of 2010, with the approval of República Argentina Central Bank, CFA S.A. was acquired by Banco Galicia (95% shareholding) and Tarjetas Regionales S.A. (5% of shareholding). Banco Galicia is one of the major banks in Argentina and leader on financial services; on the other hand, Tarjetas Regionales is a holding company of credit cards and consumer loans; it is proprietary of brands and operates under closed system. The company seeks to consolidate its strategic expansion in order to provide financial services all around the country. www.efectivosi.com.ar

Tarjeta Cuyana S.A.: It was created in 1996, in Mendoza city, Argentina, by Banco de Galicia and Angulo Inversora S.A, by then owners of Supermarket Vea that had 36 branches. In 1997, it began its expansion to the provinces of the region of Cuyo and became leader as credit card issuer. In 2004 Tarjeta Cuyana achieves an alliance with Banco Galicia and VISA in order to issue Nevada-Visa credit card, broadening benefits to the credit card holders and its national and international coverage. Since 2005, Tarjeta Nevada branches are opened beyond Cuyo, in the provinces of North West of Argentina and in La Pampa, Neuquén y Rio Negro. Nowadays Tarjeta Nevada's credit card holders are 560.000 and it have 45 branches across 12 provinces. www.tarjetanevada.com

Banco Galicia: It was created en 1905. It is one of the major private banks in the financial system of Argentina and leader on financial services across the country. www.bancogalicia.com

Tarjeta La Anónima: It was created by an alliance between La Anónima Supermarkets and Tarjetas del Mar S.A., a 14 years old company in financial business. Tarjetas del Mar is supported by Banco Galicia, owner group of its capital shares. www.laanonima.com.ar


Phone: 0351-4200507

Address: Sucre 151 - Cordoba - Argentina

Work with us

We are increasingly convinced that we can make a better society, giving of ourselves the best every day. That is why we help people, doing social and communitary aid. Our employees participate in different social assistance programs, helping nurseries, social canteens, and retirement homes, among other activities, in order to meet their needs.

Dirección Nacional de Protección de Datos Personales

Service Terms & Conditions

Cobranzas Regionales S.A. establishes terms and conditions that apply to the use of the site. If you don't agree with these terms and conditions of service, do not use this site.

By using our service you agree to be bound by the following terms and conditions of service:

a) Cobranzas Regionales S.A. reserves the right to modify, change or improve the service offered, as well as any change on these conditions, way of access to this service (technology), information, products, according legal changes or market practices, without notice.

b) The user is responsible for the proper use of the service. He undertakes to avoid any action that may damage systems, equipment or services, that may accessed directly or indirectly through the internet, including, but not limited to international systems or linkages congestion and in accordance with this conditions.

c) By using this website, the user exclusive assumes the responsibility expressly on the consequences or damages derived from his actions, his dependants or anyone acting on his behalf, using the created user and his password. You agree that Cobranzas Regionales S.A. and third parties will not be liable for the no-compliance of laws, unlawful acts or incorrect use of this service. The user agrees to defend, indemnify and hold harmless Cobranzas Regionales S.A. from any claim may appear.

d) Cobranzas Regionales S.A. will not be liable for any damages, alteration of information or interference to the system or to the networks, as consequence of the actions of third parties.

Cobranzas Regionales S.A. is neither responsible for the result of the operations on the site, while the tools or services for the properly functioning of it, depends on third parties.

e) Cobranzas Regionales S.A. will not be liable for any inappropriate use of tools and offered services through the website, due to power outages, any other interruptions of any nature whatsoever, or to any other defects not attributed to Cobranzas Regionales S.A.

f) Links

This website and the content thereof may not be copied, reproduced, republished, posted, transmitted, modified, in whole or in a part in any other website, without the express prior permission of Cobranzas Regionales S.A.

g) Changes

Cobranzas Regionales S.A. may, at any time and with no need of notice previous, make changes to the material on the website or to this Terms and Conditions of service.

h) Violation of Terms and Conditions of Use

Cobranzas Regionales S.A. may carry out all legal actions necessary to remedy any violation of these Terms and Conditions, including restricting access to this site to individual users.

i) Applicable Law and Jurisdiction Conditions

Users of this website agree this Terms and Conditions of service are governed by and interpreted in accordance with the laws of the Argentine Republic, and the jurisdiction of the competent courts of the Argentine Republic.

Cobranzas Regionales' Legal Address: Sucre Street 151, Córdoba, Argentina.

Our website privacy policy

The privacy of our website users is very important to us, that is why all that private information we collect, will be maintained by the following privacy policies.

By accessing and using our website, and providing us with your information, you agree with our privacy policy. If you don't agree with this terms, please do not accede or use this site.

Our privacy policy applies to:

Please note that this privacy policy applies only to our website.

We may provide links to other websites for your convenience and information, but they operate independently from Cobranzas Regionales S.A.

In that case, you will be inform you that you are leaving our website; we are not responsible for the site's content. We strongly suggest you review their privacy practices before using those websites.

Confidentiality - Personal Information

We comply with all requirements set forth in law N°25326 of Personal Information Protection, that aims to protect personal information of our clients, that are collected on Cobranzas Regionales S.A.'s archives and data base.

It is necessary that your personal data is accurate and updated.

The private information's owner, prior accreditation as such, has the right to request and obtain information about their personal information.

- We will not disclose any information about any individual user to third parties, except to comply with applicable laws or valid legal process, requested by Central Bank of Argentina (BCRA), Federal, Provincial or Local Fiscal Authority, or financial institutions prior authorization of BCRA.

- Remember that you as our client may request the details of the information you provide to Cobranzas Regionales S.A., in order to rectify or remove it.

Monitoring the website

We reserve the right to monitor messages or information registered by users on this site, as often as we need. We also may delete any archive that we consider: illegal, contrary to the moral or good manners, obscene, discriminatory or any other material which incites immoral behavior.

Also, we store information on the client's computer, by cookie technology, in order to improve your experience on Cobranzas Regionales 's web site and to ensure the continuous improvement of our services. It is important to note that by the using of cookies we do not collect personal information or private internet activities, because cookies are a small piece of information sent by our website to personalize your experience with us. To work without cookies you can configure your browser to reject all cookies, but your experience of Cobranzas Regionales website may be different.

Security Policies

Keeping your information secure

The security of your personal information is very important to us, and we are committed to protect the information that we collect. We have security measures to protect it, ensuring confidentiality, availability and integrity of your operations on the network.

These are our main security policies to prevent unauthorized access to your data:

Security password

Before you accede to our services (for example displaying of debt or cut off debt's interest) on our website, it is necessary to create a new username and a password. Remember the stronger is your password, the more protected you will be.

Service availability

We provide continuous operations for the services we offer by internet and also contingency plans. Our website is available all year long.

Data Encryption

We offer services under encryption data travelling, between clients and our server in order to get your information safeguarded. That is the way we avoid that someone else can see what you do, what you sent or received from our website.

Our Software's Security

The software we use to offer online services is highly protected (servers, communications systems). Our data centers have effective security measures according to the best practices and market regulations.

Firewalls, IPS y Antivirus

We use security measures to define our internal and external network, in order to control unexpected visitors in our private system. Firewalls are used to prevent outsiders-networks from accessing our private data resources.

We also have intrusion detection system (IDS), that monitors our network and system's activities for avoid malicious activities or policy violations. It produces real- time reports.

Besides, we use virus detection systems (AV). Cobranzas Regionales S.A. monitors the activities you do on our network to prevent, detect and remove malware threats.

We offer a secure service by web; at the moment you sign in, a security lock will appear and you will certificate a secure connection in the navigation bar:

https://. COBRANZAS REGIONALES S.A. uses SSL certificates. - VeriSign. For more information visit: http://www.certisur.com/serverid.

Protect yourself

It is very important for us, that your private information is protected, to avoid someone else uses it. In order to prevent that situation, because it is very difficult to detect and resolve, we present you some simple recommendations:

- We recommend do not leave your personal information exposed to someone else. Never reply unexpected emails. You should to mistrust any email from users who you don't known and avoid to click on their links or archives it sends to you.

- Phishing is an email fraud method, in which the perpetrator sends out a legitimate - looking email, in an attempt to gather your personal passwords and financial information. Remember that Cobranzas Regionales S.A., never will ask TO reveal your password.

- We recommend you to get use to logout, when finish your session, especially when you use public computers. Otherwise you session will be available for someone else.

- It is very important for us keep your data updated in our database, in case we need to contact you to confirm some details.

- If you detect some bad use or fraudulent use of your information, contact us: (+54) 0351- 4201797 from 9am to 8.30pm

Protect your personal computer:

If your computer is infected with a virus or other malware, your personal information is in danger. We recommend you to keep the software you use to protect your computer updated; you should scan your computer frequently for viruses, spyware and other threats.

- We also recommend you to upgrade your version of Internet explorer browser you have. While you are connected to internet keep your computer firewall active, to prevent unauthorized users access to your personal information.

- How to create a good password?

The best password is the one you easily remember but impossible to guess for anyone else. We present you some simple recommendations to get a secure password:

- You should never share your passwords with anyone, or write them in your computers archives.

- We recommend you to use a song's lyrics or a phrase. Also, the mixture of case sensitive makes the password more secure.

- You shouldn't use your PIN as password or some other passwords you use in different applications.

- You shouldn't use your family names, surnames or birthdays as password, especially yours, they are easy to guess for hackers.

- You shouldn't choose as password, dictionary-words; try to avoid passwords that contain real words, names or words in foreign languages.

- We recommend you, try to replace letters for numbers, for example, letter "I" for number "1" or "e" for number "3".

Wireless security:

Nowadays, you can access to internet from anywhere and anytime you want, because Wireless networks are everywhere available. However, those connections are generated by radio-waves and not by wires, what makes your computer vulnerable to hackers. We present you some simple recommendations:

- You should check if that the wireless connection you use, is protected to stop hackers.

- Keep the firewall active.

- Choose a secure password to operate with wireless net.

- Security on your mobile phone:

Nowadays, mobile phones are used to check emails, connect to internet, among other activities. So, mobile phones are frequently available to get hacked. We recommend you:

- Check out if your mobile phone service offers you software to protect against virus and online risks.

- You should keep your Bluetooth connection logged out, in order to avoid sharing information with anyone you don't known. Try not to accept Bluetooth applications from unknown users.

- You shouldn't open attachments from MMS, they are frequently malwares.

Related sites:

Our website provide access to information supplied by other sites or links to different websites, however Cobranzas Regionales S.A. is not responsible for them.

The inclusion in our website, of different links to others websites does not imply any approval of their contents. Cobranzas Regionales S.A. does not control or guarantee them, or their availability on the net. The responsibility of their use rests with the user.

Cobranzas Regionales S.A. legal address is at: Sucre Street, 151, Córdoba, Argentina.