{"id":316,"date":"2014-04-01T14:36:01","date_gmt":"2014-04-01T13:36:01","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=316"},"modified":"2021-03-15T14:20:24","modified_gmt":"2021-03-15T13:20:24","slug":"tarjetas-de-credito-practicas-pero-caras-3","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/kreditkarten-praktisch-aber-teuer-3\/","title":{"rendered":"Tarjetas de cr\u00e9dito: pr\u00e1cticas pero caras"},"content":{"rendered":"

Los bancos de tarjetas de cr\u00e9dito cobran intereses de demora y de cr\u00e9dito cuando un cliente paga la factura mensual con retraso o s\u00f3lo paga una parte de la deuda. Los bancos emisores de tarjetas cobran unos tipos de inter\u00e9s anuales para el cr\u00e9dito y los intereses de demora de entre 9,5% y 15%<\/strong>.<\/p>\n

Los m\u00e9todos de c\u00e1lculo de los intereses var\u00edan mucho, a menudo son poco transparentes y apenas comprensibles. En algunos casos, tambi\u00e9n calculan los intereses a lo largo del tiempo: es decir, incluso para las cantidades parciales que se pagaron a tiempo.<\/p>\n

Precauci\u00f3n con las retiradas de efectivo
\nPara los usuarios en el extranjero, es especialmente importante prestar atenci\u00f3n a las tarifas en moneda extranjera. Adem\u00e1s de un recargo de procesamiento de entre el 0,9% y el 2,5%, muchos proveedores de tarjetas de cr\u00e9dito tambi\u00e9n cobran tasas de conversi\u00f3n que a veces superan el 2% del importe pagado. Las retiradas de efectivo en moneda extranjera conllevan unas comisiones adicionales de hasta el 4% del efectivo retirado.<\/p>\n

\"Vemos las tarjetas de cr\u00e9dito como un medio de pago, no como un medio para conseguir dinero en efectivo\".<\/strong><\/p>\n

No utilice en absoluto la facilidad de pago a plazos, sino que pague siempre el importe total del extracto de la tarjeta de cr\u00e9dito, evitando as\u00ed el pago de intereses adicionales al tipo de inter\u00e9s m\u00e1s alto y las comisiones.<\/p>\n

El peligro es grande de que gastes m\u00e1s dinero del que realmente tienes.<\/p>\n

\n

Si ya tiene una o varias deudas de tarjetas de cr\u00e9dito, le recomendamos que las salde con un pr\u00e9stamo. Esto le ahorrar\u00e1 intereses y costes de tramitaci\u00f3n innecesarios.<\/h2>\n

 <\/p>\n

Solicite su cr\u00e9dito<\/a><\/p>\n

Guardar el art\u00edculo como PDF:\u00a0Tarjetas de cr\u00e9dito: pr\u00e1cticas pero caras.pdf\u00a0<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Si pagas la factura de tu tarjeta de cr\u00e9dito y s\u00f3lo transfieres el importe m\u00ednimo parcial, te pueden cobrar intereses enormemente altos.<\/p>","protected":false},"author":2,"featured_media":275,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Vorsicht: Teure Zinsen bei Kreditkarten!","_seopress_titles_desc":"Erfahren Sie, wie Zinsen und Geb\u00fchren bei Kreditkartennutzung schnell ansteigen 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