¿Usamos correctamente las tarjetas de crédito?

Fuente: Internet

Los expertos en finanzas personales aconsejan que los créditos personales y de consumo no deben superar el 30% de los ingresos. Si los ingresos son de S/ 930, las cuotas de pago de los prestamos en general deberían de ser como máximo S/ 279. Sin embargo, ¿se respetan estas recomendaciones? ¿O se arriesga nuestra imagen crediticia con los créditos de consumo?


Según datos brindados por Asbanc, el monto utilizado en créditos de consumo en el año 2018 fue S/ 234, 286 millones. Esto en línea con la información brindada por Minsait, el cual señala que el Perú se encuentra entre los países con mayor consumo promedio de pago con tarjeta de crédito. Debido al uso frecuente de esta para pagar las salidas de los fines de semana, vacaciones, ropa, alimentos, etc.


Por su parte, los bancos están tomando medidas para contrarrestar el nivel de morosidad en sus clientes. Por ejemplo: aumento del número de cuotas pero con un monto más bajo o periodos de gracia, según informó Alberto Morisaki, gerente de Estudios Económicos de Asbanc.

A consecuencia de ello, se logró una reducción del 6.00% en diciembre 2017 a 4.45% al cierre del año siguiente.


Cuando inicial los problemas, los clientes optan por refinanciar, reprogramar o vender su deuda a otras entidades bancarias. En otros casos, simplemente dejan de pagar las cuotas, acumulando intereses exorbitantes.

Como consecuencia final, los clientes sobre endeudados y morosos obtienen una calificación negativa en Infocorp. Por consiguiente, obtienen un “castigo financiero”, impidiéndole el acceso a todo tipo de créditos. Además, se limitan las ofertas laborales, ya que las empresas consultan a las centrales de riesgo para evaluar la confiabilidad de los postulantes.

Finalmente, es importante reflexionar si vale la pena reducir las oportunidades laborales o renunciar al sueño de la vivienda propia. Además, recuerde que no necesita excederse en sus gastos para demostrarles a sus seres queridos cuanto amor siente por ellos.

Janira Garcia
Bachiller en Economía de la Universidad Nacional del Callao. Interesada en el mercado de capitales. Disfruto escuchar música a todo volumen y en mi tiempo libre me gusta leer libros de ficción y terror.

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