<\/p>\n
El CAT es una medida estandarizada del costo de financiamiento, el cual permite comparar las tarjetas de cr\u00e9dito, pues considera todos los costos y gastos asociados a los cr\u00e9ditos otorgados por los bancos.<\/p>\n
Las tarjetas de cr\u00e9dito cl\u00e1sicas son las m\u00e1s populares en el sistema financiero de M\u00e9xico y representan el 58.53%<\/strong> de todas las tarjetas de cr\u00e9dito activas en M\u00e9xico, es decir, 11 millones 613 mil 956<\/strong>, de acuerdo con datos del Banco de M\u00e9xico (Banxico).<\/p>\n El segmento cl\u00e1sico generalmente se otorga a personas con ingresos mensuales que oscilan entre 4,500 y 15 mil pesos.<\/strong> Y el aumento en el costo de estas tarjetas se debe al incremento en las tasas de inter\u00e9s de referencia, explic\u00f3 el Reporte de Tarjetas de Cr\u00e9dito<\/strong> de Yotepresto.<\/p>\n Ahora hablando del incremento, las tarjetas cl\u00e1sicas con un l\u00edmite de cr\u00e9dito de 4,500 pesos o menos,<\/strong> se observa que la tarjeta Light de Santander aument\u00f3 su CAT del 79.1% al 87.4%<\/strong> en diciembre del a\u00f1o pasado.<\/p>\n La tarjeta Santander Zero subi\u00f3 su CAT del 78.6%<\/strong> en diciembre de 2021 al 93.3%<\/strong> para diciembre de 2022. De igual manera, la Cl\u00e1sica Citibanamex aument\u00f3 del 119.6% al 130.1%,<\/strong> la tarjeta 40 de Banorte del 133.7% al 143.3%<\/strong> y la tarjeta Banorte Ke Buena del 133.7% al 144.0%.<\/strong><\/p>\n Y las tarjetas cl\u00e1sicas con un l\u00edmite de cr\u00e9dito de 4,501 a 8,000 pesos<\/strong>, se destaca que la tarjeta Hey de Banregio elev\u00f3 su CAT del 31.7% al 73.1%,<\/strong> la HSBC Air del 49.4% al 52.0%,<\/strong> la Light de Santander del 62.2% al 68.3%<\/strong> y la tarjeta Santander Zero del 78.4% al 93.8%<\/strong>.<\/p>\n <\/p>\n <\/p>\n Seg\u00fan un reporte de Yotepresto, la anualidad promedio de las tarjetas cl\u00e1sicas es de 446 pesos<\/strong>, y Santander y Banorte tienen nueve de las diez tarjetas cl\u00e1sicas con la tasa m\u00e1s alta.<\/p>\n El informe destaca que, considerando que la tasa de Banxico es del 11.25% anual<\/strong>, acceder a las tarjetas de cr\u00e9dito cl\u00e1sicas en M\u00e9xico cuesta al menos cinco veces m\u00e1s que el valor base establecido por el banco central.<\/p>\n Ante estos incrementos en el costo, especialistas recomiendan a usuarios evaluar detenidamente las condiciones y costos de las tarjetas de cr\u00e9dito antes de elegir la m\u00e1s adecuada para sus necesidades financieras, esto con el fin de evitar sorpresas desagradables y un mayor endeudamiento.<\/p>\n <\/p>\n <\/p>\n Referencias: El Contribuyente<\/p>\n","protected":false},"excerpt":{"rendered":" El Costo Anual Total o CAT, de las tarjetas de cr\u00e9dito cl\u00e1sicas han alcanzado su nivel m\u00e1s alto en dos a\u00f1os, llegando a un porcentaje de 81.34%. El CAT es una medida estandarizada del costo de financiamiento, el cual permite comparar las tarjetas de cr\u00e9dito, pues considera todos los costos y gastos asociados a […]<\/p>\n","protected":false},"author":1,"featured_media":1051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[77],"tags":[139,17,56,37],"class_list":["post-1050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","tag-bancos","tag-economia","tag-mexico","tag-tarjetas-de-credito"],"_links":{"self":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/1050","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/comments?post=1050"}],"version-history":[{"count":1,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/1050\/revisions"}],"predecessor-version":[{"id":1053,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/1050\/revisions\/1053"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/media\/1051"}],"wp:attachment":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/media?parent=1050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/categories?post=1050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/tags?post=1050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"http:\/\/www.factorh.mx\/wp-content\/uploads\/2023\/07\/tarjetas-aumento-anualidad.png\")
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