A partir de noviembre, postergar las cuotas de la tarjeta ser\u00e1 m\u00e1s caro. Es que, en las \u00faltimas horas, el Banco Central elev\u00f3 la tasa de inter\u00e9s que se aplica para la refinanciaci\u00f3n de los saldos impagos en los pl\u00e1sticos.<\/p>\n\n\n\n
A partir de noviembre de 2023, el porcentaje que se aplicar\u00e1 en los saldos que no se hayan podido pagar sube de 107% a 122% nominal anual (TNA), con un costo financiero total superior al 300%. Cabe remarcar que \u00e9ste aplica a importes menores a $200.000 o US$200.<\/p>\n\n\n\n
Por su parte, y respecto a los consumos que superen este margen, la tasa no podr\u00e1 superar el 25% de la que las entidades financieras apliquen a pr\u00e9stamos personales, seg\u00fan expresa la Ley de Tarjetas de Cr\u00e9dito. Es por eso que el CFT, en dichos ejemplos, depender\u00e1 de cada banco, siendo m\u00e1s costoso el financiamiento en entidades privadas en comparaci\u00f3n a las p\u00fablicas.<\/p>\n\n\n\n
La decisi\u00f3n fue publicada en el\u00a0Bolet\u00edn Oficial<\/em>, donde se oficializ\u00f3 la\u00a0Comunicaci\u00f3n \u201cA\u201d 7862\/2023<\/em>\u00a0de la autoridad monetaria. Pese a que la decisi\u00f3n\u00a0no afecta a las compras realizadas en cuotas con una tasa ya fijada, s\u00ed lo har\u00e1 para\u00a0los saldos\u00a0totales que no se hayan cancelado\u00a0al momento del cierre (o sea, cuando se realiza el pago m\u00ednimo o parcial).<\/strong><\/p>\n\n\n\n De esta manera, la nueva tasa\u00a0impactar\u00e1 en la deuda acumulada con la entidad bancaria emisora de la tarjeta, pero no alterar\u00e1 el valor de las cuotas que se pudieran haber tomado, por ejemplo bajo el programa\u00a0\u201cAhora 12\u201d<\/em>\u00a0o con un comercio en particular.<\/p>\n\n\n\n Esto,\u00a0afectar\u00e1 principalmente a las personas econ\u00f3micamente m\u00e1s vulnerables, que\u00a0cada vez se endeudan m\u00e1s\u00a0para acceder a productos b\u00e1sicos\u00a0en medio del escenario inflacionario actual, con variaciones mensuales en el IPC\u00a0de dos d\u00edgitos durante agosto y septiembre.<\/p>\n\n\n\n Con informaci\u00f3n de Perfil <\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" A partir de noviembre, postergar las cuotas de la tarjeta ser\u00e1 m\u00e1s caro. Es que, en las \u00faltimas horas, el Banco Central elev\u00f3 la tasa de inter\u00e9s que se aplica para la refinanciaci\u00f3n de los saldos impagos en los pl\u00e1sticos. A partir de noviembre de 2023, el porcentaje que se aplicar\u00e1 en los saldos que […]<\/p>\n","protected":false},"author":5,"featured_media":44502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"4","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"1","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_review":[],"enable_review":"0","type":"percentage","name":"","summary":"","brand":"","sku":"","good":[{"good_text":""}],"bad":[{"bad_text":""}],"score_override":"","override_value":"","rating":[{"rating_text":"","rating_number":"10"}],"price":[{"shop":"","price":"","link":"","icon":""}],"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"jnews_post_split":{"enable_post_split":"0","post_split":[{"template":"1","tag":"h2","numbering":"asc","mode":"normal","first":"0","enable_toc":"0","toc_type":"normal"}]},"footnotes":""},"categories":[43,61],"tags":[12647,12648],"class_list":["post-44501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad","category-economia","tag-refinanciacion","tag-tarjeta-de-credito-2"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/posts\/44501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/esreviral.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=44501"}],"version-history":[{"count":0,"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/posts\/44501\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/esreviral.com\/index.php?rest_route=\/wp\/v2\/media\/44502"}],"wp:attachment":[{"href":"https:\/\/esreviral.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=44501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/esreviral.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=44501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/esreviral.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=44501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}