{"id":11768,"date":"2024-01-08T20:45:41","date_gmt":"2024-01-08T23:45:41","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=11768"},"modified":"2024-01-08T20:45:41","modified_gmt":"2024-01-08T23:45:41","slug":"el-banco-central-definio-la-nueva-tasa-de-interes-para-las-tarjetas-de-credito","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=11768","title":{"rendered":"El Banco Central defini\u00f3 la nueva tasa de inter\u00e9s para las tarjetas de cr\u00e9dito"},"content":{"rendered":"

A partir de enero 2024<\/h2>\n
\n
Se aplicar\u00e1 cuando el cliente no abone el pago m\u00ednimo del resumen mensual y se calcular\u00e1 sobre el importe no cancelado exigible. Tambi\u00e9n rige sobre saldos financiados entre las fechas de vencimiento donde surgiera el monto adeudado.<\/section>\n<\/header>\n
<\/div>\n
El Banco Central de la Rep\u00fablica Argentina (BCRA) oficializ\u00f3 hoy el valor de la tasa de inter\u00e9s aplicable para las operaciones con tarjeta de cr\u00e9dito realizadas durante enero de 2024 para quienes pagan los importes m\u00ednimos o quieren refinanciar sus deudas.
\nA trav\u00e9s de la Comunicaci\u00f3n B, publicada hoy en el Bolet\u00edn Oficial, la entidad monetaria dispuso que la tasa ascender\u00e1 al 140,86% promedio mensual ponderado por monto y medida en porcentaje nominal anual.<\/p>\n

“El valor de la tasa de inter\u00e9s del sistema financiero para operaciones de pr\u00e9stamos personales sin garant\u00eda real que se menciona en el punto 2.1.2. de la secci\u00f3n 2 de las normas sobre Tasas de inter\u00e9s en las operaciones de cr\u00e9dito, correspondiente a la informaci\u00f3n de diciembre 2023, ser\u00e1 aplicable para las operaciones del ciclo de facturaci\u00f3n de enero 2024”, expresa la normativa.<\/p>\n

\"\"<\/figure>\n

Esta tasa se aplicar\u00e1 cuando el cliente no abone el pago m\u00ednimo indicado en el resumen mensual y se calcular\u00e1 sobre el importe no cancelado exigible. De esta forma no podr\u00e1 capitalizarse.
\nAdem\u00e1s, la comunicaci\u00f3n se\u00f1ala que el valor tambi\u00e9n se aplicar\u00e1 sobre saldos financiados entre las fechas de vencimiento donde surgiera el monto adeudado.<\/p>\n

Por otra parte, seg\u00fan la informaci\u00f3n que se desprende de la Comunicaci\u00f3n A 7937 del BCRA, la tasa no podr\u00e1 superar en m\u00e1s del 25% el guarismo promedio del sistema financiero para las operaciones de pr\u00e9stamos personales sin garant\u00eda real.<\/p>\n

\"\"<\/figure>\n

Tarjetas de cr\u00e9dito: modos de cancelar los saldos adeudados<\/b><\/p>\n

Pago m\u00ednimo<\/b>: se trata del monto m\u00ednimo que hay que pagar para evitar problemas legales. Adem\u00e1s, si no se abona este monto, al tiempo se bloquea el pl\u00e1stico, por lo que el usuario quedar\u00e1 imposibilitado para seguir recibiendo el financiamiento.<\/p>\n

Pago parcial<\/b>: este tipo de pago no llega a saldar el total del resumen de ese mes. Por lo tanto, el saldo restante queda pendiente y genera intereses. El c\u00e1lculo se realizar\u00e1 en base al importe que quede pendiente y al tiempo de demora en la cancelaci\u00f3n.<\/p>\n

Pago total<\/b>: este tipo de pago es que se lleva a cabo cuando se cancela la totalidad del resumen de ese mes. Eso tambi\u00e9n incluye los intereses que pudieran existir y los gastos administrativos del banco. Fuente: (NA)<\/div>\n

<\/div>\n
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A partir de enero 2024 Se aplicar\u00e1 cuando el cliente no abone el pago m\u00ednimo del resumen mensual y se calcular\u00e1 sobre el importe no cancelado exigible. Tambi\u00e9n rige sobre saldos financiados entre las fechas de vencimiento donde surgiera el…<\/p>\n","protected":false},"author":2,"featured_media":11769,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-11768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nEl Banco Central defini\u00f3 la nueva tasa de inter\u00e9s para las tarjetas de cr\u00e9dito - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=11768\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Banco Central defini\u00f3 la nueva tasa de inter\u00e9s para las tarjetas de cr\u00e9dito - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"A partir de enero 2024 Se aplicar\u00e1 cuando el cliente no abone el pago m\u00ednimo del resumen mensual y se calcular\u00e1 sobre el importe no cancelado exigible. 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