{"id":4164,"date":"2024-10-21T17:18:13","date_gmt":"2024-10-21T22:18:13","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=4164"},"modified":"2025-06-30T14:43:45","modified_gmt":"2025-06-30T19:43:45","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>Varias veces al a\u00f1o, tengo el privilegio de presentar una Feria de la Realidad Econ\u00f3mica para estudiantes de \u00faltimo a\u00f1o de secundaria. Para aquellos que no saben qu\u00e9 es una Feria de la Realidad, es una simulaci\u00f3n pr\u00e1ctica donde los estudiantes experimentan los desaf\u00edos financieros que enfrentar\u00e1n a medida que comienzan a navegar la vida por su cuenta en el &quot;mundo real&quot;. Los estudiantes se agrupan en parejas para completar la feria como un hogar con dos ingresos para comprender mejor el compromiso al tomar decisiones sobre c\u00f3mo gastar el dinero de su hogar. Cada pareja tiene un presupuesto diferente con el que trabajar, un ni\u00f1o al que cuidar y una deuda de tarjeta de cr\u00e9dito. Cuando los estudiantes visitan nuestra estaci\u00f3n de Asesoramiento Financiero para hablar sobre su deuda de tarjeta de cr\u00e9dito, queda claro que no entienden c\u00f3mo el inter\u00e9s acumulado hace una gran diferencia en el total que terminan pagando si solo pagan el pago mensual m\u00ednimo. Aqu\u00ed est\u00e1 mi mejor esfuerzo para explicar c\u00f3mo el inter\u00e9s cobrado en una tarjeta de cr\u00e9dito <span class=\"underline\">en realidad<\/span> afecta a su cuenta de resultados.<\/p>\n<h5><b style=\"font-family: inherit; font-style: inherit;\">\u00a1\u00a1Hola Independencia!!<\/b><\/h5>\n<p style=\"text-align: left;\">Obtener su primera tarjeta de cr\u00e9dito es muy emocionante.<\/p>\n<h5>Hola, deuda a largo plazo...<\/h5>\n<p style=\"text-align: left;\">Pero, por desgracia, muchos de los que poseen una tarjeta de cr\u00e9dito por primera vez no saben lo suficiente sobre los intereses de las tarjetas de cr\u00e9dito. <span style=\"font-size: 18px; font-weight: bold;\">No dejes que te pase a ti.<\/span><\/p>\n<h4 style=\"text-align: left;\">Esto es lo que debes saber sobre los intereses de las tarjetas de cr\u00e9dito y c\u00f3mo funcionan:<\/h4>\n<h5 style=\"text-align: left;\">\u00bfQu\u00e9 es el inter\u00e9s de la tarjeta de cr\u00e9dito?<\/h5>\n<p style=\"text-align: left;\"><span style=\"font-family: museo-sans, sans-serif; font-size: 18px; font-style: normal; font-weight: 400;\">El inter\u00e9s de la tarjeta de cr\u00e9dito es el dinero que cobra el emisor de la tarjeta de cr\u00e9dito.<\/span>\u00a0titulares de tarjetas para pedir dinero prestado <span style=\"font-size: 18px;\">cuando usan sus tarjetas. El inter\u00e9s generalmente se fija en una tasa anual conocida como tasa anual. <\/span><span style=\"font-size: 18px;\">tasa porcentual o APR.<\/span><\/p>\n<h5 style=\"text-align: left;\">T\u00e9rminos importantes sobre tarjetas de cr\u00e9dito que debe conocer:<\/h5>\n<ul style=\"text-align: left;\">\n<li>Un ciclo de facturaci\u00f3n de tarjeta de cr\u00e9dito es el per\u00edodo de tiempo entre facturaciones de tarjeta de cr\u00e9dito. Durante ese tiempo, todas las compras, cr\u00e9ditos y cargos por intereses se sumar\u00e1n o restar\u00e1n de su saldo.<\/li>\n<li>Cuando finalice el ciclo de facturaci\u00f3n, recibir\u00e1 el extracto de su tarjeta de cr\u00e9dito, que reflejar\u00e1 todos los cargos y tarifas pendientes de pago durante este tiempo.<\/li>\n<li>El estado de cuenta tambi\u00e9n resaltar\u00e1 la fecha de vencimiento del pago, que tiende a ser aproximadamente 20 d\u00edas despu\u00e9s del final del ciclo de facturaci\u00f3n.<\/li>\n<li>El per\u00edodo de tiempo entre el final del ciclo de facturaci\u00f3n y la fecha de vencimiento del pago se conoce como per\u00edodo de gracia.<\/li>\n<li>Un l\u00edmite de cr\u00e9dito es la cantidad m\u00e1xima que puedes gastar con una tarjeta de cr\u00e9dito. Tener un l\u00edmite alto te permite gastar m\u00e1s, pero tambi\u00e9n puede hacer que sea m\u00e1s f\u00e1cil gastar de m\u00e1s y acumular una gran cantidad de deuda. Es posible que quieras establecer tu l\u00edmite de cr\u00e9dito en una cantidad m\u00e1s baja y solicitar que no aumente autom\u00e1ticamente con el tiempo hasta que demuestres que puedes manejar la responsabilidad y no usar al m\u00e1ximo la tarjeta. Siempre puedes cambiar esa restricci\u00f3n si es necesario, pero un l\u00edmite m\u00e1s bajo te permite aprender a usar una tarjeta de cr\u00e9dito sin meterte en un aprieto financiero grave.<\/li>\n<\/ul>\n<h5 style=\"text-align: left;\">Calcular el inter\u00e9s<\/h5>\n<p style=\"text-align: left;\">Para calcular su cargo por intereses para un ciclo de facturaci\u00f3n, siga esta f\u00f3rmula:<\/p>\n<ul style=\"text-align: left;\">\n<li>Paso 1: Divida su APR por la cantidad de d\u00edas de un a\u00f1o para obtener su tasa peri\u00f3dica diaria o el monto de inter\u00e9s que cobra el emisor de su tarjeta de cr\u00e9dito durante cada d\u00eda del ciclo de facturaci\u00f3n.\n<ul>\n<li>Si su APR es 18.5%, la dividir\u00e1 entre 365 para obtener su tasa peri\u00f3dica diaria de .0005%. (0,185\/365 = 0,0005)<\/li>\n<\/ul>\n<\/li>\n<li>Paso 2: Multiplique la tasa peri\u00f3dica diaria por su saldo diario promedio o el saldo que mantiene durante cada d\u00eda del ciclo de facturaci\u00f3n de su tarjeta de cr\u00e9dito para obtener su cargo por inter\u00e9s diario.\n<ul>\n<li>Usando el ejemplo anterior, si su saldo diario promedio es $1200, multiplique este n\u00famero por su tasa peri\u00f3dica diaria (.0005%) para obtener un cargo por inter\u00e9s diario de $0.60. (0,0005 * 1200 = 0,60)<\/li>\n<\/ul>\n<\/li>\n<li>Paso 3: Multiplique su cargo por inter\u00e9s diario por la cantidad de d\u00edas de su ciclo de facturaci\u00f3n.\n<ul>\n<li>Para seguir el ejemplo anterior, si su ciclo de facturaci\u00f3n es de 30 d\u00edas, multiplique $0.60 por 30 para obtener un cargo por intereses de $18 para este ciclo de facturaci\u00f3n. (0,60 * 30 = 18)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h5 style=\"text-align: left;\">Evite pagar intereses<\/h5>\n<p style=\"text-align: left;\">Los emisores de tarjetas de cr\u00e9dito s\u00f3lo cobrar\u00e1n intereses si mantiene un saldo de un mes al siguiente. Si paga su saldo en su totalidad antes de que finalice el per\u00edodo de gracia, no se le cobrar\u00e1n intereses. Ponte un recordatorio para pagar tu factura antes de su vencimiento y nunca m\u00e1s volver\u00e1s a pagar intereses de la tarjeta de cr\u00e9dito. \u00a1Dulce!<\/p>\n<p style=\"text-align: left;\">Las tarjetas de cr\u00e9dito pueden ser una parte necesaria de la vida, pero tambi\u00e9n pueden ser una puerta de entrada al endeudamiento. Antes de solicitar esa preciosa pieza de pl\u00e1stico, repase sus conocimientos sobre c\u00f3mo funcionan los intereses de las tarjetas de cr\u00e9dito y c\u00f3mo le afectan a usted como titular de la tarjeta.<\/p>\n<p>Al 14 de marzo de 2024, la APR promedio cobrada por tarjetas de cr\u00e9dito es de 24.37%. \u00a1La tasa de inter\u00e9s m\u00e1s alta cobrada es 36%! En Abilene Teachers FCU, la APR de nuestra tarjeta de cr\u00e9dito oscila entre 14.99% con un m\u00e1ximo de 17.99%, que sigue siendo dr\u00e1sticamente m\u00e1s baja que la tasa m\u00e1s alta, pero considerablemente m\u00e1s baja incluso que el promedio. Si est\u00e1 pensando en obtener una tarjeta de cr\u00e9dito para ayudar a generar cr\u00e9dito o para emergencias, \u00a1considere obtener una tarjeta de cr\u00e9dito ATFCU!<\/p>\n<p>~Todos los pr\u00e9stamos est\u00e1n sujetos a la aprobaci\u00f3n de la cooperativa de cr\u00e9dito.<\/p>","protected":false},"excerpt":{"rendered":"<p>Varias veces al a\u00f1o, tengo el privilegio de presentar una Feria de la Realidad Econ\u00f3mica para estudiantes de \u00faltimo a\u00f1o de secundaria. Para aquellos que no saben qu\u00e9 es una Feria de la Realidad, es una simulaci\u00f3n pr\u00e1ctica donde los estudiantes experimentan los desaf\u00edos financieros que enfrentar\u00e1n a medida que comienzan a desenvolverse por su cuenta en el &quot;mundo real&quot;. Los estudiantes se emparejan para completar ... <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 v27.5 - 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=\"Credit cards are commonplace but there are important things you need to consider before opening one. 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