AFIP fiscalizará las compras con tarjetas y los movimientos en las cuentas a partir de este monto

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La Administración Federal de Ingresos Públicos (AFIP) actualizó, a través del Boletín Oficial, los montos mínimos desde los cuales los bancos deben informar los movimientos tanto de las cuentas, como de las tarjetas de los usuarios, operaciones que en estos meses están aumentando por debajo de la inflación.

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A través de la nueva resolución, se elevó de $30.000 a $90.000 la cifra mínima para informar las acreditaciones, extracciones, saldos de las cuentas y los depósitos a plazo fijo.

Con estas modificaciones, los bancos podrán agilizar las operaciones y a su vez, recibirán información automática y permanente de las acreditaciones mensuales, extracciones, saldos de las cuentas, los depósitos a plazo y consumos con tarjetas.

La suba de tasas de interés anunciada por el Banco Central de la República Argentina (BCRA) tendrá impacto en el costo de financiarse a través de las tarjetas de crédito. Es que el tope la tasa nominal anual (TNA) pasó del 43% a 49% desde el pasado 6 de enero.

El BCRA subió los tipos de interés para las Leliq (Letras de Liquidez) y los plazos fijos, lo que también obligó a mover la TNA de las tarjetas de crédito. Como 49% es el máximo de TNA que pueden aplicar las entidades, queda en estas si aplican un interés menor a sus clientes.suna persona que debe refinanciar sus gastos, le conviene hacerlo con su tarjeta pagando el mínimo

Cuánto cuesta refinanciar los pagos de la tarjeta de crédito

Desde este viernes, el refinanciamiento de los saldos de las tarjetas de crédito será más caro: por decisión del Banco Central, ese costo será del 53% nominal anual. Dos puntos por encima de lo que era hasta ahora. De todas formas, cuando se añaden los costos asociados (IVA y las comisiones bancarias), el valor total supera el 80% anual.

Ese Costo Financiero Total depende de cada banco, pero el promedio asciende al 81% anual. Es decir, por encima de la inflación (58% interanual). Pero por detrás de lo que cuesta en los mismos bancos un préstamo para el consumo (personal), que en el mejor de los casos se encuentra algunos puntos más arriba que el 90% anual.

Esto significa que una persona que debe refinanciar sus gastos, le conviene hacerlo con su tarjeta (pagando el mínimo, por ejemplo) antes que sacar un crédito personal en un banco.

Deuda por tarjetas de crédito vs créditos personales

El problema es que los bancos vienen recortando los límites de las tarjetas, con lo cual a muchos clientes no les queda otra alternativa que recurrir a un crédito personal para patear su deuda hacia adelante.Por la suba de tasas, se encareció el costo de financiarse con tarjeta de créditoPor la suba de tasas, se encareció el costo de financiarse con tarjeta de crédito

Los bancos dejan de financiar a través de las tarjetas de crédito y ofrecen a sus clientes otros préstamos -más lejos de la regulación del Banco Central-, que resultan más onerosos para quien no llega a fin de mes o necesita dinero circunstancialmente.

Contra abril del año pasado, la facturación de las tarjetas de crédito creció 43,8%. Según el INDEC, la inflación interanual se ubicó en 58%. Y un 62% en «alimentos y bebidas», que es el rubro que encabeza la facturación con los plásticos. Una caída en torno al 20% en términos «reales» (descontada la inflación) entre un año y otro.

No puede achacarse esa contracción a una baja del consumo: las principales consultoras que miden esa variable indican que, aun con cierta desaceleración, las compras en supermercados y autoservicios de barrio continúa con una tendencia positiva.

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180 pensamientos sobre “AFIP fiscalizará las compras con tarjetas y los movimientos en las cuentas a partir de este monto

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