{"id":28406,"date":"2026-05-27T10:59:55","date_gmt":"2026-05-27T14:59:55","guid":{"rendered":"https:\/\/thespanishmedia.com\/?p=28406"},"modified":"2026-05-27T10:59:55","modified_gmt":"2026-05-27T14:59:55","slug":"las-tarjetas-de-credito-en-canada-siguen-cobrando-cerca-del-20-de-interes-para-muchas-familias-eso-ya-es-un-problema-serio","status":"publish","type":"post","link":"https:\/\/thespanishmedia.com\/fr\/las-tarjetas-de-credito-en-canada-siguen-cobrando-cerca-del-20-de-interes-para-muchas-familias-eso-ya-es-un-problema-serio\/","title":{"rendered":"Las tarjetas de cr\u00e9dito en Canad\u00e1 siguen cobrando cerca del 20% de inter\u00e9s. Para muchas familias, eso ya es un problema serio."},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El Banco de Canad\u00e1 baj\u00f3 su tasa de referencia de manera significativa en el \u00faltimo a\u00f1o. Los intereses de las hipotecas y las l\u00edneas de cr\u00e9dito lo siguieron. Pero en la factura mensual de la tarjeta de cr\u00e9dito, ese alivio nunca lleg\u00f3. Las tarjetas siguen cobrando cerca del veinte por ciento anual, y una parte creciente de los hogares canadienses est\u00e1 sintiendo el peso de ese n\u00famero.<\/span><\/p>\n<h2><b>Dos tasas que van en direcciones distintas<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cuando el Banco de Canad\u00e1 sube o baja su tasa, los bancos ajustan los productos que dependen directamente de ella: hipotecas variables, l\u00edneas de cr\u00e9dito, pr\u00e9stamos personales. Pero las tarjetas de cr\u00e9dito no funcionan as\u00ed. Sus tasas est\u00e1n desconectadas de la pol\u00edtica monetaria, y los emisores las mantienen pr\u00e1cticamente sin cambios desde hace a\u00f1os.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para quien paga el saldo completo cada mes, esto no importa mucho. El problema es que una parte importante de los hogares canadienses lleva saldo de un mes para otro. Y cuando eso ocurre, el inter\u00e9s compuesto puede convertir una deuda manejable en algo muy dif\u00edcil de saldar. Encuestas del sector financiero muestran que cerca de la mitad de los canadienses admite no tener certeza de poder pagar sus deudas actuales.<\/span><\/p>\n<h2><b>Por qu\u00e9 afecta especialmente a los inmigrantes recientes<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Quien llega a Canad\u00e1 sin historial crediticio empieza desde cero. La primera tarjeta que suele conseguirse es la llamada \u00absecured card\u00bb, donde se deposita un monto como garant\u00eda para obtener un l\u00edmite equivalente. El problema es que estas tarjetas tambi\u00e9n cobran tasas altas y, si no se entiende bien c\u00f3mo funciona el sistema, la deuda crece r\u00e1pido.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hay algo m\u00e1s que no siempre se explica: en Canad\u00e1, el puntaje de cr\u00e9dito se ve afectado no solo por pagar tarde, sino tambi\u00e9n por usar una proporci\u00f3n alta del l\u00edmite disponible, aunque se pague a tiempo. Una deuda alta en relaci\u00f3n al l\u00edmite baja el puntaje. Un pago atrasado tiene consecuencias que pueden durar a\u00f1os, y ese puntaje influye no solo en pr\u00e9stamos futuros, sino tambi\u00e9n en la posibilidad de alquilar un apartamento.<\/span><\/p>\n<h2><b>C\u00f3mo funciona el puntaje de cr\u00e9dito aqu\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">En Canad\u00e1, el puntaje va de 300 a 900. Superar los 660 se considera aceptable; pasar de 760 se considera bueno. Las agencias de cr\u00e9dito que lo calculan son Equifax y TransUnion. Se puede consultar el puntaje de forma gratuita a trav\u00e9s de sus sitios web o de aplicaciones como Borrowell o Credit Karma, sin que esa consulta afecte el puntaje.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La recomendaci\u00f3n b\u00e1sica: usar la tarjeta con regularidad, mantener el saldo por debajo de la mitad del l\u00edmite disponible y pagar el total cada mes.<\/span><\/p>\n<p><b>Redacci\u00f3n de: <\/b>Mauricio Navas Talero\u00a0 LJI Reporter<\/p>","protected":false},"excerpt":{"rendered":"<p>El Banco de Canad\u00e1 baj\u00f3 su tasa de referencia de manera significativa en el \u00faltimo a\u00f1o. Los intereses de las hipotecas y las l\u00edneas de cr\u00e9dito lo siguieron. Pero en la factura mensual de la tarjeta de cr\u00e9dito, ese alivio nunca lleg\u00f3. Las tarjetas siguen cobrando cerca del veinte por ciento anual, y una parte [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":28415,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"categories":[6968],"tags":[2887,1651,902,750,538,30,1640,32,2789,950,766],"class_list":["post-28406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pasaporte-a-canada","tag-actualidadcanada","tag-costodevida","tag-economiacanadiense","tag-finanzaspersonales","tag-intereses","tag-noticiascanada","tag-tarjetasdecredito","tag-canada","tag-deudas","tag-familias","tag-inflacion"],"blocksy_meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Las tarjetas de cr\u00e9dito en Canad\u00e1 siguen cobrando cerca del 20% de inter\u00e9s. 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