Esto implicaría un aumento considerable en las compras con tarjeta de crédito. Esto implicaría un aumento considerable en las compras con tarjeta de crédito.
En las últimas horas, la Superintendencia Financiera informó que la tasa de usura para diciembre sería de 41,46% efectivo anual para la modalidad de crédito de consumo y ordinario. El registro más alto en el país desde 2007.
Esto representa un aumento de 279 puntos básicos (2.79%) con respecto al periodo anterior (38.67%). Asimismo, implica que durante diciembre las compras con tarjeta de crédito tendrá un costo muy elevado.
Cabe recordar que la tasa de usura es el límite que se estípula como aceptado para no incurrir en delito donde se excede el interés bancario corriente. En este sentido, las tarjetas de crédito son las que presentan intereses más cercanos a la tasa de usura.
También es importante tener en cuenta que en octubre la junta directiva del Banco de la República decidió realizar un aumento de tasas de interés del 10 % y se convirtió en la más alta desde julio de 2008.
Todo ello con el objetivo de frenar las altas cifras inflacionarias que está registrando el país, que actualmente se ubica en 10,8 %. Al subir la tasa de interés, se espera disminuir la demanda de bienes y servicios por parte de las personas naturales y las empresas, disminuyendo así la inflación.
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