{"id":86079,"date":"2024-10-23T13:38:30","date_gmt":"2024-10-23T11:38:30","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?post_type=glosario&#038;p=86079"},"modified":"2024-10-23T13:43:38","modified_gmt":"2024-10-23T11:43:38","slug":"tarjeta-de-credito","status":"publish","type":"glosario","link":"https:\/\/www.fintonic.com\/blog\/glosario\/tarjeta-de-credito\/","title":{"rendered":"Tarjeta de cr\u00e9dito"},"content":{"rendered":"<p>Una <strong>tarjeta de cr\u00e9dito<\/strong> es un medio de pago emitido por una <a href=\"https:\/\/www.fintonic.com\/blog\/glosario\/entidad-financiera\/\">entidad financiera<\/a> que permite al titular realizar compras, retirar dinero o pagar servicios, con la particularidad de que el dinero utilizado no proviene directamente de la cuenta del usuario, sino de un pr\u00e9stamo temporal otorgado por la entidad emisora. El titular debe devolver el dinero utilizado en un plazo determinado, ya sea en su totalidad o a trav\u00e9s de pagos fraccionados.<\/p>\n<p><strong>Las tarjetas de cr\u00e9dito tienen los siguientes componentes clave<\/strong>:<\/p>\n<p>&#8211; <strong>L\u00edmite de cr\u00e9dito<\/strong>: Es el m\u00e1ximo monto de dinero que el usuario puede gastar con la tarjeta.<\/p>\n<p>&#8211; <strong>Fecha de corte y fecha de pago<\/strong>: La fecha de corte es el \u00faltimo d\u00eda del mes en que se registran las compras realizadas, y la fecha de pago es el plazo para devolver el dinero.<\/p>\n<p>&#8211; <strong>Tasa de inter\u00e9s:<\/strong> Si el titular no paga el saldo completo al final del ciclo de facturaci\u00f3n, se aplican intereses sobre el saldo pendiente. Las tasas de inter\u00e9s pueden ser elevadas si no se gestiona correctamente la tarjeta.<\/p>\n<p>&#8211; <strong>Comisiones y tarifas:<\/strong> Algunas tarjetas de <a href=\"https:\/\/www.fintonic.com\/blog\/glosario\/credito\/\">cr\u00e9dito<\/a> pueden tener costos adicionales, como cuotas anuales, comisiones por adelantos en efectivo o por pagos tard\u00edos.<\/p>\n<p>El uso responsable de una tarjeta de cr\u00e9dito, como pagar el <a href=\"https:\/\/www.fintonic.com\/blog\/glosario\/saldo\/\">saldo<\/a> completo cada mes y evitar gastar m\u00e1s all\u00e1 de lo que se puede pagar, es esencial para evitar el endeudamiento excesivo y para construir un buen historial crediticio.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una tarjeta de cr\u00e9dito es un medio de pago emitido por una entidad financiera que permite al titular realizar compras, retirar dinero o pagar servicios, con la particularidad de que el dinero utilizado no proviene directamente de la cuenta del usuario, sino de un pr\u00e9stamo temporal otorgado por la entidad emisora. El titular debe devolver [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","categories":[],"tags":[],"class_list":["post-86079","glosario","type-glosario","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tarjeta de cr\u00e9dito - Fintonic News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fintonic.com\/blog\/glosario\/tarjeta-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tarjeta de cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"Una tarjeta de cr\u00e9dito es un medio de pago emitido por una entidad financiera que permite al titular realizar compras, retirar dinero o pagar servicios, con la particularidad de que el dinero utilizado no proviene directamente de la cuenta del usuario, sino de un pr\u00e9stamo temporal otorgado por la entidad emisora. 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