At the retailer Elektra, the jefes de cartera, the managers of the credit portfolio, visit customers who bought on credit in their homes. In 2011, the magazine Expansión reported that they go out every day, Sundays included. One of them, Jorge Alberto López, told the magazine: “Hay que saber a quién darle crédito” (One has to know whom to give credit to).
He judged applicants partly by the order and cleanliness of their homes. Elektra also scores applicants with a points system.