{"id":928,"date":"2026-07-18T10:30:58","date_gmt":"2026-07-18T15:30:58","guid":{"rendered":"https:\/\/co.factorcrediticio.com\/?p=928"},"modified":"2026-07-17T15:11:11","modified_gmt":"2026-07-17T20:11:11","slug":"fecha-de-corte-vs-fecha-de-pago-por-que-confundirlas-te-cuesta-intereses","status":"publish","type":"post","link":"https:\/\/co.factorcrediticio.com\/?p=928","title":{"rendered":"Fecha de corte vs. fecha de pago: por qu\u00e9 confundirlas te cuesta intereses"},"content":{"rendered":"<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"text-text-100 mt-3 -mb-1 text-[1.375rem] font-bold\"><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"0\">Revi<\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"4\">sas el estado de <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"21\">cuenta de tu tarjeta y ves <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"48\">intereses que no esperabas. <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"76\">Pagaste antes de la fecha <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"102\">l\u00edmite, pero igual te cobraron. <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"134\">El problema casi siempre <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"159\">es el mismo: <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"172\">confundir la fecha de corte con <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"204\">la fecha de pago, dos <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"226\">momentos distintos que muchos <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"256\">usuarios tratan como si <\/span><span class=\"_animating_yu34g_10\" style=\"font-size: 16px;\" data-newtext-seq=\"280\">fueran uno solo.<\/span><\/p>\n<ul>\n<li class=\"text-text-100 mt-3 -mb-1 text-[1.375rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">La fecha <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"11\">de corte cierra el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"30\">periodo de consumos de tu <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"56\">tarjeta; la fecha de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"77\">pago es el d\u00eda l\u00edmite <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"99\">para pagar sin que se <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"121\">activen intereses. Confundirlas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"153\">hace que pagues tarde, que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"180\">una compra caiga en el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"203\">ciclo equivocado o que sigas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"232\">pagando intereses aunque <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"257\">creas estar al d\u00eda.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h2 id=\"que-es-la-fecha-de-corte\" class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">Qu\u00e9 <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"7\">es la fecha de corte<\/span><\/h2>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">La <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">fecha de corte es el d\u00eda en <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"31\">que el banco cierra el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"54\">ciclo de consumos de tu <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"78\">tarjeta de cr\u00e9dito y <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"99\">genera el estado de cuenta. <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"127\">Todo lo que compraste <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"149\">antes de esa fecha entra <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"174\">en ese resumen; lo que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"197\">compres despu\u00e9s queda <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"219\">para el siguiente ciclo.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">P<\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"1\">iensa en un extracto <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"22\">que corta el d\u00eda 5 de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"44\">cada mes. Una compra <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"65\">hecha el 3 aparece en ese <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"91\">estado de cuenta. La <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"112\">misma compra hecha el 7 <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"136\">aparece hasta el corte <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"159\">siguiente, un mes despu\u00e9s.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Esto <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"5\">explica un error com\u00fan: <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"29\">alguien compra unos d\u00edas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"54\">despu\u00e9s del corte y espera <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"81\">que el pago de ese mes lo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"107\">cubra. No es as\u00ed. Esa <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"129\">compra ya qued\u00f3 fuera del <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"155\">ciclo que se est\u00e1 cobrando y <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"184\">entrar\u00e1 en el pr\u00f3ximo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"206\">extracto.<\/span><\/p>\n<p><strong>Lee M\u00e1s:\u00a0<a href=\"https:\/\/co.factorcrediticio.com\/tarjetas-de-credito\/visa-mastercard-y-amex-en-colombia-hay-diferencia-real\/\">Visa, Mastercard y Amex en Colombia: \u00bfhay diferencia real?<\/a><\/strong><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h2 id=\"que-es-la-fecha-de-pago\" class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">Qu\u00e9 es la fecha <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"19\">de pago<\/span><\/h2>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">La fecha de pago (o <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"20\">fecha l\u00edmite de pago) <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"42\">es el d\u00eda hasta el cual puedes <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"73\">pagar el saldo del <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"92\">estado de cuenta sin que el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"120\">banco cobre intereses <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"142\">corrientes sobre ese saldo. Aparece <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"178\">siempre en el mismo extracto, despu\u00e9s <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"216\">de la fecha de corte.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Entre el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"9\">corte y la fecha de pago <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"34\">hay una ventana de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"53\">varias semanas. Ese periodo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"81\">existe para que tengas tiempo de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"114\">revisar el estado de cuenta y reunir el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"154\">dinero antes de pagar. Cada banco fija <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"193\">su propio plazo, as\u00ed que conviene <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"227\">confirmarlo directamente en tu extracto <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"267\">o en la app, no asumir que es igual al <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"306\">de otra tarjeta que hayas tenido.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Si <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">pagas el total del saldo antes de la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"40\">fecha de pago, no se cobran intereses <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"78\">sobre esas compras. Si pagas despu\u00e9s, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"116\">as\u00ed sea por un d\u00eda, el banco empieza a <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"155\">cobrar intereses corrientes desde la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"192\">fecha de corte, no desde el d\u00eda en que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"231\">venci\u00f3 el plazo.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Si tienes varias <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"17\">tarjetas, de bancos distintos, cada una <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"57\">tiene su propio corte y su propia fecha <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"97\">de pago. No asumas que coinciden solo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"135\">porque las sacaste el mismo mes: revisa <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"175\">cada extracto por separado, sobre todo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"214\">si administras el pago de varias <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"247\">tarjetas desde una sola cuenta.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h2 id=\"por-que-la-confusion-te-termina-costando-intereses\" class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">Por <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"7\">qu\u00e9 la confusi\u00f3n te termina costando <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"44\">intereses<\/span><\/h2>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h4 id=\"creer-que-la-fecha-de-corte-es-el-limite-para-pagar\" class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><em><span class=\"_animating_yu34g_10\" data-newtext-seq=\"4\">Creer que la fecha de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"26\">corte es el l\u00edmite para pagar<\/span><\/em><\/h4>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Algunas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"8\">personas ven la fecha de corte en el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"45\">extracto y pagan ese mismo d\u00eda, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"77\">pensando que es el plazo final. En <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"112\">realidad todav\u00eda falta tiempo hasta la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"151\">fecha de pago real. No es un error que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"190\">cueste dinero, pero s\u00ed genera pagos <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"226\">apresurados o mal planeados cuando el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"264\">dinero a\u00fan no est\u00e1 disponible.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h4 id=\"pensar-que-una-compra-reciente-ya-quedo-cubierta\" class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"4\">Pensar que una compra reciente ya <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"38\">qued\u00f3 cubierta<\/span><\/h4>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Este es el error que s\u00ed <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"24\">cuesta intereses. Compras algo dos d\u00edas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"64\">despu\u00e9s del corte, pagas el total del <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"102\">extracto antes de la fecha de pago y <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"139\">das por hecho que quedaste al d\u00eda. Esa <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"178\">compra reciente no estaba en ese <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"211\">extracto: aparecer\u00e1 en el siguiente, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"248\">con su propia fecha de pago.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h4 id=\"pagar-solo-el-minimo-y-creer-que-evita-los-intereses\" class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"4\">Pagar <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"10\">solo el m\u00ednimo y creer que evita los <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"47\">intereses<\/span><\/h4>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">El pago m\u00ednimo evita que la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"28\">tarjeta entre en mora, pero no evita <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"65\">los intereses corrientes sobre el saldo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"105\">que queda pendiente. Si pagas menos del <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"145\">total, el banco cobra intereses sobre <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"183\">la diferencia desde la fecha de corte. <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"222\">La \u00fanica forma de no pagar intereses es <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"262\">cubrir el saldo completo antes de la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"299\">fecha de pago.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h4 id=\"no-revisar-el-extracto-antes-de-pagar\" class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"4\">No revisar el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"18\">extracto antes de pagar<\/span><\/h4>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Pagar de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"9\">memoria, sin abrir el estado de cuenta, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"49\">hace f\u00e1cil confundir cifras de un mes <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"87\">con otro o pasar por alto que la fecha <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"126\">de pago cambi\u00f3 (algunos bancos ajustan <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"165\">el ciclo si el d\u00eda cae en fin de semana <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"205\">o festivo). Revisar el extracto o la <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"242\">app antes de pagar evita sorpresas.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h4 id=\"programar-el-pago-con-la-app-y-olvidarse-del-resto\" class=\"text-text-100 mt-2 -mb-1 text-base font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"4\">Programar el pago con la app y <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"35\">olvidarse del resto<\/span><\/h4>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Programar el pago <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"18\">autom\u00e1tico ayuda, pero si lo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"47\">configuraste para el m\u00ednimo en vez del <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"86\">total, o si la fuente de fondos no <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"121\">tiene saldo suficiente ese d\u00eda, el pago <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"161\">falla o queda incompleto. Confirma el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"199\">monto y el origen del dinero cada vez <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"237\">que actualices la programaci\u00f3n, no solo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"277\">la primera vez.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h2 id=\"que-pasa-si-te-pasas-de-la-fecha-de-pago\" class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">Qu\u00e9 pasa si te <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"18\">pasas de la fecha de pago<\/span><\/h2>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Pasarte de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"11\">la fecha de pago activa dos <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"39\">consecuencias distintas. No las <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"71\">mezcles:<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Intereses corrientes:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> se <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"29\">cobran sobre el saldo no pagado, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"62\">calculados desde la fecha de corte. <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"98\">Entre m\u00e1s grande el saldo pendiente y <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"136\">m\u00e1s tiempo pase, m\u00e1s inter\u00e9s se <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"168\">acumula.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Mora:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> si adem\u00e1s dejas de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"29\">pagar el m\u00ednimo requerido, la tarjeta <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"67\">entra en mora. Pasado cierto n\u00famero de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"106\">d\u00edas, esto puede generar un reporte <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"142\">negativo en las centrales de riesgo, <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"179\">Datacr\u00e9dito Experian o TransUnion, que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"218\">afecta tu historial y tu puntaje <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"251\">crediticio para futuros cr\u00e9ditos.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Pagar<\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"5\"> el total antes de la fecha de pago <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"41\">evita ambas cosas. Pagar solo el m\u00ednimo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"81\">evita la mora pero no los intereses.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<h2 id=\"como-evitar-pagar-intereses-por-esta-confusion\" class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"3\">C\u00f3mo evitar pagar intereses por esta <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"40\">confusi\u00f3n<\/span><\/h2>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Identifica las dos fechas en tu extracto:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> la mayor\u00eda de bancos las muestra <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"79\">una junto a la otra, con nombres como <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"117\">&#8220;fecha de corte&#8221; y &#8220;fecha l\u00edmite de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"153\">pago&#8221; o &#8220;pago sin intereses&#8221;.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Programa un recordatorio unos d\u00edas antes del pago:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> no del corte. El corte <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"78\">solo te avisa que el extracto ya se <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"114\">gener\u00f3; la fecha de pago es la que <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"149\">realmente importa para el dinero.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Revisa el estado de cuenta antes de pagar, no despu\u00e9s:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> as\u00ed confirmas el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"76\">monto exacto y detectas si alguna <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"110\">compra qued\u00f3 en el ciclo actual o en el <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"150\">siguiente.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Paga el total, no el m\u00ednimo, si quieres evitar intereses:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> el m\u00ednimo protege <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"80\">tu historial crediticio, pero deja <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"115\">creciendo el saldo con intereses.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\">Considera el d\u00e9bito autom\u00e1tico del total del extracto:<\/span><\/strong><span class=\"_animating_yu34g_10\" data-newtext-seq=\"2\"> varias entidades <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"76\">permiten programar el pago completo <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"112\">desde tu cuenta antes de la fecha <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"146\">l\u00edmite, lo que reduce el riesgo de <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"181\">olvidos.<\/span><\/p>\n<\/div>\n<div class=\"_chunkWrapper_yu34g_39\">\n<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"_animating_yu34g_10\" data-newtext-seq=\"0\">Entender la diferencia entre <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"29\">estas dos fechas no cambia cu\u00e1nto <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"63\">debes, pero s\u00ed determina si terminas <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"100\">pagando intereses de m\u00e1s por una <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"133\">confusi\u00f3n de calendario que es <\/span><span class=\"_animating_yu34g_10\" data-newtext-seq=\"164\">completamente evitable.<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"Revisas el estado de cuenta de tu tarjeta y ves intereses que no esperabas. Pagaste antes de la fecha l\u00edmite, pero igual te cobraron. El problema casi siempre es el&hellip;\n","protected":false},"author":1,"featured_media":930,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-928","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tarjetas-de-credito"],"_links":{"self":[{"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/posts\/928","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=928"}],"version-history":[{"count":3,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/posts\/928\/revisions"}],"predecessor-version":[{"id":932,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/posts\/928\/revisions\/932"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=\/wp\/v2\/media\/930"}],"wp:attachment":[{"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=928"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=928"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/co.factorcrediticio.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=928"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}