{"id":4164,"date":"2024-10-21T17:18:13","date_gmt":"2024-10-21T22:18:13","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=4164"},"modified":"2026-07-02T15:56:19","modified_gmt":"2026-07-02T20:56:19","slug":"intereses-de-tarjeta-de-credito-y-como-me-efecta","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/credit-card-interest-and-how-it-effects-me\/","title":{"rendered":"\u00bfQu\u00e9 son los intereses de las tarjetas de cr\u00e9dito y c\u00f3mo me afectan?"},"content":{"rendered":"<p data-path-to-node=\"12,0\">Varias veces al a\u00f1o, tengo el absoluto privilegio de ser anfitri\u00f3n de un <b data-path-to-node=\"12,0\" data-index-in-node=\"66\">Feria de la Realidad Econ\u00f3mica<\/b> Para estudiantes de \u00faltimo a\u00f1o de secundaria de la zona. Para quienes no lo hayan visto en acci\u00f3n, se trata de una simulaci\u00f3n financiera pr\u00e1ctica donde los estudiantes se enfrentan a los mismos desaf\u00edos que encontrar\u00e1n al incorporarse al mundo laboral.\u201c<\/p>\n<p data-path-to-node=\"12,1\">Formamos parejas de estudiantes que representan familias con dos ingresos para que aprendan a llegar a acuerdos al administrar un presupuesto familiar. Para que sea m\u00e1s realista, a cada pareja se le asigna un nivel de ingresos espec\u00edfico, un beb\u00e9 a su cargo y una enorme deuda heredada de tarjetas de cr\u00e9dito.<\/p>\n<p data-path-to-node=\"12,2\">Cada vez que estos estudiantes visitan mi puesto de Asesor\u00eda Financiera para revisar sus hojas de c\u00e1lculo, sucede exactamente lo mismo: queda claro que no entienden c\u00f3mo funcionan los intereses acumulados. Se sorprenden al ver c\u00f3mo un pago m\u00ednimo mensual puede obligarlos a pagar el doble o el triple del monto original que pidieron prestado.<\/p>\n<p data-path-to-node=\"12,3\">Para proteger a su hogar de caer en la misma trampa, aqu\u00ed le ofrecemos una explicaci\u00f3n sencilla de c\u00f3mo funcionan los intereses de las tarjetas de cr\u00e9dito y c\u00f3mo impactan directamente en sus finanzas:<\/p>\n<h2 data-path-to-node=\"12,5\">El vocabulario b\u00e1sico de cr\u00e9ditos<\/h2>\n<p data-path-to-node=\"12,6\">Antes de hacer los c\u00e1lculos, necesitamos descifrar la letra peque\u00f1a del panel de control de su estado de cuenta mensual:<\/p>\n<ul>\n<li data-path-to-node=\"12,7,0,0\"><b data-path-to-node=\"12,7,0,0\" data-index-in-node=\"0\">Tasa de Porcentaje Anual (TAE):<\/b> Este es el coste anualizado de pedir dinero prestado con tu tarjeta, expresado como porcentaje.<\/li>\n<li data-path-to-node=\"12,7,0,0\"><b data-path-to-node=\"12,7,1,0\" data-index-in-node=\"0\">Ciclo de facturaci\u00f3n:<\/b> El per\u00edodo de tiempo recurrente (normalmente de 28 a 31 d\u00edas) entre las fechas de generaci\u00f3n de los estados de cuenta, durante el cual se calculan sus compras, cr\u00e9ditos y cargos por intereses.<\/li>\n<li data-path-to-node=\"12,7,0,0\"><b data-path-to-node=\"12,7,2,0\" data-index-in-node=\"0\">Per\u00edodo de gracia:<\/b> El estrecho margen de seguridad (normalmente unos 20 d\u00edas) entre el final de su ciclo de facturaci\u00f3n y la fecha oficial de vencimiento de su pago. <b data-path-to-node=\"12,7,2,0\" data-index-in-node=\"135\">Si pagas tu saldo por completo hasta dejarlo en $0 antes de que finalice este per\u00edodo de gracia, el emisor de la tarjeta de cr\u00e9dito no podr\u00e1 cobrarte ni un solo centavo de inter\u00e9s.<\/b><\/li>\n<li data-path-to-node=\"12,7,0,0\"><b data-path-to-node=\"12,7,3,0\" data-index-in-node=\"0\">L\u00edmite de cr\u00e9dito:<\/b> El importe m\u00e1ximo de capital rotatorio que puede cargar a la tarjeta.<\/li>\n<\/ul>\n<p data-path-to-node=\"12,8,0\">\ud83d\udca1 <b data-path-to-node=\"12,8,0\" data-index-in-node=\"3\">Consejo del asesor sobre l\u00edmites de cr\u00e9dito:<\/b> Tener un l\u00edmite de cr\u00e9dito muy alto facilita peligrosamente el gasto excesivo. Si es la primera vez que obtiene una tarjeta, solicite un l\u00edmite m\u00e1ximo m\u00e1s bajo y desactive los aumentos autom\u00e1ticos. Mantener un l\u00edmite bajo act\u00faa como una medida de seguridad natural, permiti\u00e9ndole administrar su tarjeta sin endeudarse en exceso.<\/p>\n<h2 data-path-to-node=\"12,10\">Calculando los intereses: C\u00f3mo se cobran los intereses<\/h2>\n<p data-path-to-node=\"12,11\">Las compa\u00f1\u00edas de tarjetas de cr\u00e9dito no calculan sus intereses al final del a\u00f1o; los calculan <b data-path-to-node=\"12,11\" data-index-in-node=\"94\">todos los d\u00edas<\/b> basado en tu <b data-path-to-node=\"12,11\" data-index-in-node=\"125\">Saldo diario promedio<\/b>.<\/p>\n<p data-path-to-node=\"12,12\">Aqu\u00ed tienes la sencilla f\u00f3rmula de tres pasos para ver exactamente cu\u00e1nto te est\u00e1 costando ese saldo:<\/p>\n<ul>\n<li data-path-to-node=\"12,13,0,0\"><b data-path-to-node=\"12,13,0,0\" data-index-in-node=\"0\">Paso 1: Encuentra tu tasa peri\u00f3dica diaria.<\/b> Divide la TAE actual de tu tarjeta entre 365 d\u00edas.\n<ul>\n<li data-path-to-node=\"12,13,0,0\"><i data-path-to-node=\"12,13,0,1,0,0\" data-index-in-node=\"0\">Ejemplo:<\/i> Si su TAE es <b data-path-to-node=\"12,13,0,1,0,0\" data-index-in-node=\"24\">18.5%<\/b>, divide 0.185 entre 365 para encontrar tu tasa de inter\u00e9s diaria de <b data-path-to-node=\"12,13,0,1,0,0\" data-index-in-node=\"87\">0.0005%<\/b>.<\/li>\n<\/ul>\n<\/li>\n<li><b style=\"font-family: inherit; font-style: inherit;\" data-path-to-node=\"12,13,1,0\" data-index-in-node=\"0\">Paso 2: Calcule su cargo por intereses diarios.<\/b><span style=\"font-size: 18px;\"> Multiplica tu tasa peri\u00f3dica diaria por el saldo promedio que mantuviste en la tarjeta cada d\u00eda.<\/span>\n<ul>\n<li><i data-path-to-node=\"12,13,1,1,0,0\" data-index-in-node=\"0\">Ejemplo:<\/i> Si lleva un saldo rodante de <b data-path-to-node=\"12,13,1,1,0,0\" data-index-in-node=\"50\">$1,200<\/b>, multiplique $1,200 por 0.0005 para encontrar que est\u00e1 acumulando <b data-path-to-node=\"12,13,1,1,0,0\" data-index-in-node=\"114\">$0.60 de inter\u00e9s cada d\u00eda<\/b>.<\/li>\n<\/ul>\n<\/li>\n<li><b style=\"font-family: inherit; font-style: inherit;\" data-path-to-node=\"12,13,2,0\" data-index-in-node=\"0\">Paso 3: Calcular la cuota mensual total.<\/b><span style=\"font-size: 18px;\"> Multiplica ese cargo por intereses diario por el n\u00famero total de d\u00edas de tu ciclo de facturaci\u00f3n activo.<\/span>\n<ul>\n<li><i data-path-to-node=\"12,13,2,1,0,0\" data-index-in-node=\"0\">Ejemplo:<\/i> Si su ciclo de facturaci\u00f3n dura 30 d\u00edas, multiplique $0.60 por 30 para ver el cargo final en su estado de cuenta: <b data-path-to-node=\"12,13,2,1,0,0\" data-index-in-node=\"103\">$18.00 en inter\u00e9s<\/b> Solo por ese mes.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"12,14\">Si solo realizas el pago m\u00ednimo exigido por la entidad emisora de la tarjeta de cr\u00e9dito, la mayor parte de tu dinero se destina a pagar los intereses mensuales en lugar de reducir tu saldo. \u00a1As\u00ed es precisamente como los consumidores terminan pagando peque\u00f1as compras durante a\u00f1os!<\/p>\n<h3 data-path-to-node=\"12,16\">Evita la trampa de los intereses con ATFCU.<\/h3>\n<p data-path-to-node=\"12,17\">La mejor manera de usar una tarjeta de cr\u00e9dito es como una herramienta temporal. Realiza compras peque\u00f1as y planificadas con la tarjeta, espera a que se genere el estado de cuenta y luego usa tu cuenta corriente para pagar el saldo completo cada mes y as\u00ed mantener un per\u00edodo de gracia de por vida.<\/p>\n<p data-path-to-node=\"12,18\">Pero si necesita mantener un saldo circulante durante una emergencia o mientras liquida un gasto importante, <b data-path-to-node=\"12,18\" data-index-in-node=\"98\">El tipo de inter\u00e9s que elijas es de suma importancia.<\/b><\/p>\n<p data-path-to-node=\"12,19\">En el mercado bancario actual, la tasa de inter\u00e9s anual promedio nacional de las tarjetas de cr\u00e9dito oscila entre <b data-path-to-node=\"12,19\" data-index-in-node=\"83\">21% y 25%<\/b>, Con tarjetas de cr\u00e9dito de alto riesgo que alcanzan hasta 36%, mantener una deuda a esas tasas es una tarea tit\u00e1nica.<\/p>\n<p data-path-to-node=\"12,20\">Debido a que operamos para apoyar a nuestros miembros en lugar de para obtener ganancias corporativas, <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/prestamos-tarjetas-de-credito\/tarjetas-de-credito\/\"><b data-path-to-node=\"12,20\" data-index-in-node=\"76\">Tarjeta de cr\u00e9dito ATFCU<\/b><\/a>\u00a0presenta tasas de inter\u00e9s transparentes y competitivas que van desde <b data-path-to-node=\"12,20\" data-index-in-node=\"158\">De 14,99% a 17,99% TAE<\/b>. Unas tasas de inter\u00e9s m\u00e1s bajas significan que una menor parte del dinero que tanto te ha costado ganar desaparece en intereses compuestos, lo que te permite saldar tus deudas m\u00e1s r\u00e1pidamente.<\/p>\n<p data-path-to-node=\"12,21\">Repase sus h\u00e1bitos crediticios, inicie sesi\u00f3n en su cuenta. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/consejos-sobre-herramientas\/banca-digital\/\">aplicaci\u00f3n de banca m\u00f3vil<\/a> para realizar un seguimiento de sus tendencias de utilizaci\u00f3n utilizando nuestra herramienta gratuita <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/consejos-sobre-herramientas\/puntuacion-de-credito-mas\/\"><b data-path-to-node=\"12,21\" data-index-in-node=\"113\">Puntaje de cr\u00e9dito y m\u00e1s<\/b><\/a> \u00a1Panel de control y proteja siempre sus resultados!<\/p>","protected":false},"excerpt":{"rendered":"<p>Obtener tu primera tarjeta de cr\u00e9dito es un hito emocionante, pero sin una estrategia clara, puede convertirse en una puerta de entrada a deudas a largo plazo. Descubre una gu\u00eda pr\u00e1ctica para interpretar los extractos de tu tarjeta de cr\u00e9dito, aprende la f\u00f3rmula exacta de tres pasos para calcular los intereses diarios y explora c\u00f3mo aprovechar las herramientas de las cooperativas de cr\u00e9dito con tasas de inter\u00e9s m\u00e1s bajas para proteger tu flujo de efectivo. <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/credit-card-interest-and-how-it-effects-me\/\" aria-label=\"contin\u00faa leyendo sobre \u00bfQu\u00e9 son los intereses de las tarjetas de cr\u00e9dito y c\u00f3mo me afectan?\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":4174,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[50,49],"tags":[],"class_list":["post-4164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-kids-teens"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Credit Card Interest and How Does it Effect Me? - ATFCU<\/title>\n<meta name=\"description\" content=\"Understand how credit card interest works. 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