Las tarjetas de crédito son herramientas emitidas por las entidades bancarias para facilitar los pagos de sus clientes en tiendas y servicios. En el caso de las tarjetas de créditos la modalidad permite realizar comprar sin tener que desembolsar el dinero en ese momento.
Este tipo de plástico tiene su propia vida a parte de la cuenta bancaria. Así mismo, se establece un límite propio y puedes realizar pagos o retirar dinero hasta ese límite, sin necesidades de tener dinero en esa cuenta, ya que este dinero lo pagarás en cuotas mensuales.
La seguridad de la tarjeta de crédito tiene una mayor protección contra el fraude, se puede recuperar el dinero en caso de comprar algo defectuoso. Al tener un límite de gasto en la tarjeta de crédito, tendrás la seguridad de que no se gaste más de ello en caso de robo o clonación.
Sin embargo, una de las desventajas de las tarjetas de créditos es que al extraer dinero en efectivo de los cajeros automáticos, esta transacción te cobra comisiones muy elevadas.
¿Cómo funciona la tarjeta de crédito?
Debes conocer su funcionamiento para evitar generar intereses.
Básicamente la tarjeta de crédito funciona como un crédito de dinero extra que puedes usar, pero que a largo plazo tendrás que ir pagando, y conforme se va cancelando se vuelve a estar disponible el dinero.
El banco pone a tu disposición una cantidad limitada de dinero, que vendría siendo tu línea de crédito.
Período de comprar y pagos
No obstante, la entidad establece una fecha de compras y movimiento donde podrás disponer de dinero y corresponde a 30 días. Cuando trascurre este tiempo se hacen la suma de todas las comprar y el resultado será lo que debes al banco.
Luego viene un periodo de pago que dura 20 días, es el tiempo establecido para cancelar lo que debes, donde puedes pagar la totalidad para no generar intereses.
Cada persona que cuenta con una tarjeta de crédito tendrá una fecha de corte establecida, es decir una fecha límite para el pago.
Ciclos de las Tarjetas de Crédito
Un ciclo completo va a incluir dos periodos, uno de compra y uno de pagos que corresponde a 50 días. Comienza antes de que acabe el ciclo anterior, y se hace para que puedas disponer de dinero.
Lo ideal es realizar compras muchos días antes de la fecha de corte, para que tengas más rango de pago y evitar generar intereses. Si realizas compras procura que sea los primeros días después del primer corte.
Interés de las Tarjetas de crédito
Las tarjetas cuentan con un interés anual, es decir un cargo por usar la tarjeta durante un año.
Este interés anual que pondremos como ejemplo un 12%, se debe dividir entre los 12 meses, por lo que nos cobraran el 1% en cada mes por su uso.
El manejo de una tarjeta de crédito es un beneficio, ya que es una herramienta que nos puede sacar de apuros, sin embargo, si no sabes controlar sus gastos podrían sumarnos intereses y aumentar a una deuda que será difícil de cancelar.
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