{"id":24360,"date":"2023-07-04T13:06:45","date_gmt":"2023-07-04T16:06:45","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=24360"},"modified":"2024-05-22T17:41:30","modified_gmt":"2024-05-22T20:41:30","slug":"bancos-no-podran-cobrar-mas-de-444-de-tasa-de-usura-en-las-tarjetas-de-credito","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/bancos-no-podran-cobrar-mas-de-444-de-tasa-de-usura-en-las-tarjetas-de-credito\/","title":{"rendered":"Bancos no podr\u00e1n cobrar m\u00e1s de 44,4% de tasa de usura en las tarjetas de cr\u00e9dito"},"content":{"rendered":"\n

Baja en la tasa de usura <\/h2>\n\n\n\n

Luego de que el Banco de la Rep\u00fablica tomara la decisi\u00f3n de realizar una pausa en los tipos de inter\u00e9s de referencia (actualmente en 13,25%) se sum\u00f3 tambi\u00e9n la baja de tres meses seguidos en la tasa de usura<\/strong>. <\/p>\n\n\n\n

Esto significa que durante el mes de julio, las entidades bancarias no podr\u00e1n cobrar m\u00e1s de 44% en el tope de tasas de inter\u00e9s en las tarjetas de cr\u00e9dito<\/a>, lo que representa una baja de 60 puntos b\u00e1sicos en el tope. <\/p>\n\n\n\n

La baja en las tasas de las<\/strong> tarjetas de cr\u00e9dito<\/strong><\/a> viene ocurriendo desde mayo e impulsada por una guerra comercial entre los bancos. La tasa promedio finaliz\u00f3 en junio en 35,80% efectivo anual.\u00a0<\/p>\n\n\n\n

A pesar del descenso en las tasas de usura, para algunos analistas este sigue siendo un inter\u00e9s alto, ya que por cada $100 que se consume con la tarjeta de cr\u00e9dito, entre $30 y $40 van a parar para el pago de intereses<\/strong>. Esto es un llamado de atenci\u00f3n para los consumidores y que elijan bien los momentos en los cuales utilizar la tarjeta.  <\/p>\n\n\n\n

Mejores y peores tasas de usura<\/h2>\n\n\n\n

De acuerdo a los datos de las tarjetas para ingresos mayores a dos salarios m\u00ednimos y con pagos diferidos entre dos y seis meses, el nivel m\u00e1s alto lo tiene Serfinanza <\/strong>a 39,84% efectivo anual; por delante de Scotiabank Colpatria<\/strong> con 39,71% y Tuya<\/strong>, con 39,68%. <\/p>\n\n\n\n

Por su parte, quienes cuentan con las tasas m\u00e1s bajas son Coopcentral <\/strong>con 23,78%, Banagrario <\/strong>con 26,24% y Confiar <\/strong>29,05%. <\/p>\n\n\n\n

Qu\u00e9 es la tasa de usura <\/h2>\n\n\n\n

La tasa de usura es un indicador financiero y legal que establece el tope m\u00e1ximo de intereses que pueden cobrar las entidades bancarias y crediticias. La actualizaci\u00f3n mes a mes refleja los cambios en las condiciones econ\u00f3micas y financieras de Colombia<\/strong>. <\/p>\n\n\n\n

La norma sobre la tasa de usura<\/em> se encuentra establecida en el C\u00f3digo Penal y busca proteger a los consumidores de intereses abusivos por parte de las empresas. <\/p>\n","protected":false},"excerpt":{"rendered":"

Baja en la tasa de usura  Luego de que el Banco de la Rep\u00fablica tomara la decisi\u00f3n de realizar una pausa en los tipos de inter\u00e9s de referencia (actualmente en 13,25%) se sum\u00f3 tambi\u00e9n la baja de tres meses seguidos en la tasa de usura.  Esto significa que durante el mes de julio, las entidades …<\/p>\n

Bancos no podr\u00e1n cobrar m\u00e1s de 44,4% de tasa de usura en las tarjetas de cr\u00e9dito<\/span> Leer m\u00e1s »<\/a><\/p>\n","protected":false},"author":9,"featured_media":24363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[98,108],"tags":[],"class_list":["post-24360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-co","category-tarjetas-credito-co"],"acf":[],"yoast_head":"\nBancos no podr\u00e1n cobrar m\u00e1s de 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