Como siempre les digo tener una tarjeta de crédito no es malo, lo malo es cómo la manejamos. Si estás pensando en adquirir una tarjeta de crédito o ya tienes una, es importante siempre estar al tanto de la variedad de productos que existe en el mercado y evaluar cuál de todos se ajusta más a nuestras necesidades y más aún a nuestro bolsillo.
Quiero compartirles un excelente informe que realizó el ACODECO (Autoridad de Protección al Consumidor y Defensa de la Competencia) de Panamá, llamado, Análisis comparativo de costos, tasa de interés anual y anualidad de algunas tarjetas de crédito, y otras tarjetas de financiamiento, emitidas en la República de Panamá, con fecha de mayo 2017.Doc.
Me quise enfocar en ver qué nos tenían que decir acerca de las tarjetas de crédito, por ejemplo vemos que hay un abanico de beneficios que brindan, siempre y cuando mantengamos un buen manejo de nuestra cuenta. Como lo son: capacidad de pago, acumular millas, programas de puntos, cash back, costos de anualidad, devolución de un porcentaje de las compras que realices, entre otros). Como ven no suena nada mal tener tarjetas de crédito, si aplicamos algo de sabiduría en su utilización.
Análisis comparativo de Intereses anual de algunas tarjetas de crédito y sus entidades emisoras.
*Hay otros productos con atractivas tasas de interés y condiciones, cada usuario debe considerar los demás beneficios, así como los demás cargos como anualidades, cargos de seguros, entre otros.
Ahora bien, recordemos que uno de los gastos más importantes en el que incurren nuestras tarjetas de créditos son las anualidades que tenemos que pagar por cada una de las tarjetas que tengamos. Imaginemos que tenemos 3 tarjetas con este escenario.
En este escenario si tuviese 3 tarjetas de crédito con estas anualidades tendría que pagar un total de $235.00 anual. Si las mantenemos por un tiempo de 5 años, estaríamos pagando en anualidad ($235.00 x 5 años = $1,175.00) Auch! Si así mismo, los números no mienten. Pero hay algunas tarjetas de crédito que no pagan anualidad, por eso es bueno evaluar todas las opciones que existen en el mercado.
Aquí les comparto otro análisis cortesía de ACODECO, costo de las anualidades más bajas y más altas de algunas tarjetas de crédito, según tipo de tarjeta y entidad emisora.
Análisis comparativo de cargos de anualidad de algunas tarjetas de crédito y sus entidades emisoras.
Mi consejo es que evalúes todas las opciones posibles antes de tomar una decisión, espero esta información te ayude y sea de mucho provecho para ti, tu familia y amigos.
41 comentarios en “¿Cuál tarjeta de crédito funciona para mí?”
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