{"id":8533,"date":"2023-10-31T08:29:25","date_gmt":"2023-10-31T11:29:25","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=8533"},"modified":"2023-10-31T08:29:25","modified_gmt":"2023-10-31T11:29:25","slug":"tarjetas-de-credito-pagar-el-minimo-tendra-un-costo-muy-elevado","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=8533","title":{"rendered":"Tarjetas de cr\u00e9dito: pagar el m\u00ednimo tendr\u00e1 un costo muy elevado"},"content":{"rendered":"

Desde Noviembre<\/h2>\n
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La decisi\u00f3n fue reglamentada en el Bolet\u00edn Oficial, a ra\u00edz de una inflaci\u00f3n de dos d\u00edgitos por segundo mes consecutivo. La refinanciaci\u00f3n de la tarjeta de cr\u00e9dito tendr\u00e1 un Costo Financiero Total superior a 300%.<\/section>\n<\/header>\n
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A partir de noviembre se encarecer\u00e1 el financiamiento con tarjeta de cr\u00e9dito y pagar el m\u00ednimo tendr\u00e1 un costo muy elevado.<\/p>\n

La decisi\u00f3n fue reglamentada en el Bolet\u00edn Oficial en la Comunicaci\u00f3n \u201cA\u201d 7862\/2023, a ra\u00edz de una inflaci\u00f3n de dos d\u00edgitos por segundo mes consecutivo, 12,4% en agosto y 12,7% en septiembre.\u00a0La refinanciaci\u00f3n de la tarjeta de cr\u00e9dito<\/b>\u00a0subir\u00e1 del 107% al 122% nominal anual (TNA), porcentaje que aplica a importes menores a $200.000 o u$s200. Sin embargo,\u00a0el Costo Financiero Total (CFT), lo que finalmente vendr\u00e1 en el resumen, se ubicar\u00e1 en torno al 302,8% aproximadamente<\/b>.<\/div>\n

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Pagar el m\u00ednimo, solicitar adelanto de efectivo o pagar en cuotas por fuera del programa Ahora 12 implicar\u00e1 manejar estos n\u00fameros en el presupuesto. Para este \u00faltimo plan de pagos se extiende la l\u00f3gica del financiamiento a corto plazo, ya que el Ahora 3 contin\u00faa siendo la opci\u00f3n m\u00e1s elegida.<\/p>\n
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Para los consumos que superan los $200.000 o u$s200, la tasa aplicada se adhiere a la regulaci\u00f3n por Ley de Tarjetas de Cr\u00e9dito<\/b>. Los intereses aplicados no podr\u00e1n superar el 25% de la tasa que las entidades financieras apliquen a pr\u00e9stamos personales. Es por eso que el CFT depender\u00e1 de cada banco, siendo m\u00e1s costoso el financiamiento en entidades privadas en comparaci\u00f3n a las p\u00fablicas.<\/p>\n

El analista financiero Andr\u00e9s Reschini en di\u00e1logo con\u00a0\u00c1mbito Financiero<\/i>, sostuvo que “siempre es aconsejable la menor tasa, eso es obvio” pero hay que tener en cuenta que “el pr\u00f3ximo mes tenga el flujo para atenderlo. Parece obvio pero si todos los meses gasto m\u00e1s de lo que ingresa y se me acumula m\u00e1s deuda, por m\u00e1s que est\u00e9 financiada a una tasa negativa puede que en alg\u00fan momento tenga dificultades para atender”, especific\u00f3.<\/p>\n

Al respecto analiz\u00f3 que, una cosa es endeudarse para adquirir bienes y otra para financiar gastos corrientes, “ah\u00ed me preocupar\u00eda por la estructura de gastos m\u00e1s que por la manera de financiarlos”.<\/p><\/div>\n

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Desde Noviembre La decisi\u00f3n fue reglamentada en el Bolet\u00edn Oficial, a ra\u00edz de una inflaci\u00f3n de dos d\u00edgitos por segundo mes consecutivo. La refinanciaci\u00f3n de la tarjeta de cr\u00e9dito tendr\u00e1 un Costo Financiero Total superior a 300%. A partir de…<\/p>\n","protected":false},"author":2,"featured_media":8534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-8533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nTarjetas de cr\u00e9dito: pagar el m\u00ednimo tendr\u00e1 un costo muy elevado - 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=8533\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tarjetas de cr\u00e9dito: pagar el m\u00ednimo tendr\u00e1 un costo muy elevado - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Desde Noviembre La decisi\u00f3n fue reglamentada en el Bolet\u00edn Oficial, a ra\u00edz de una inflaci\u00f3n de dos d\u00edgitos por segundo mes consecutivo. 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