Incumplimiento universal: las ventajas del crédito

from The Credit Pros Podcast · host The Credit Pros

El incumplimiento universal permite a los emisores de tarjetas de crédito subir la tasa de interés de la deuda existente bajo ciertas condiciones. Antes de la Ley CARD de 2009, esto podía ocurrir por atrasos en cualquier deuda crediticia. La Ley CARD restringió esto, exigiendo aviso previo de 45 días para nuevas tarifas y permitiendo aumentos retroactivos solo si hay un atraso de 60 días en la cuenta específica. Se ofrece la posibilidad de revertir la tasa si no hay más atrasos en 6 meses.

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This episode was published on July 25, 2025.

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