Financial Future

Por ejemplo, BBVA Bancomer está enviando cartas a sus clientes que tienen planes de pagos en sus Tarjetas De Credito que “si realiza en pago en sucursales Bancomer, indicar al personal en ventanilla el destino del pago anticipado que realizará, es decir, deberá indicar cuánto de su pago será aplicado a su ‘Plan de Finanzas Ajustadas (PFA)’ y cuánto a su saldo revolvente en caso de tenerlo”.

Más abajo en la carta indican que “si sólo realiza el pago sin especificar lo anterior, el pago anticipado que realice quedará como saldo a favor en su revolvente y será aplicado a las mensualidades del ‘PFA’ conforme se vayan requiriendo mes a mes en los siguientes estados de cuenta, a menos que fuera absorbido antes por nuevas compras”.

El problema es que aquellos clientes que hagan sus pagos a través de otros bancos, ya sea vía electrónica o en sucursal, de cualquier forma se ve obligado a acudir a una sucursal de Bancomer a pedir que tanta cantidad del pago se vaya al saldo revolvente y otra determinada cantidad al PFA.

Sin embargo, de acuerdo con el artículo 10 de la Ley para La Transparencia y Ordenamiento de los Servicios Financieros “en los créditos, préstamos o financiamiento que las entidades otorguen, el pago de los intereses no podrá ser exigido por adelantado, sino únicamente por períodos vencidos”.

A pregunta expresa, BBVA Bancomer aseguró que las nuevas disposiciones para algunos de sus clientes de tarjetas de crédito no violan este artículo.

Pero ¿si no puedes acudir a la sucursal a pedir que se destinen las cantidades, no te están obligando de cierta forma a pagar intereses por adelantado?

Adicionalmente, conforme al artículo 17 de la Ley de Transparencia, los bancos tienen prohibido llevar a cabo prácticas discriminatorias, como “los actos que se realicen para no permitir a sus clientes utilizar la infraestructura de otras entidades o desalentar su uso”.

BBVA Bancomer también asegura que sus nuevas disposiciones no violentan la ley, ¿tu qué opinas?
Para la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef), al menos sí se le está complicando la vida al cliente para cumplir con el pago de sus adeudos.

La mayor institución bancaria en México, medida por sus activos, aseguró que estos PFA o Planes de Finanzas Personales se están otorgando a clientes en el caso de que tengan “algún problema para pagar su tarjeta de crédito” y no califican como reestructuras.

La Condusef está trabajando actualmente en una nueva regulación que permitirá a los usuarios antes de que termine el primer semestre del año, enviar un oficio a su banco para avisar al banco que se quiere cancelar la tarjeta y dejarla en un régimen que se llama “terminal”, esquema que se puede utilizar cuando se quiere cancelar el plástico, pero no se tiene el dinero para saldar el adeudo de inmediato.

Esta nueva disposición evitaría que los bancos puedan cobrarle más comisiones al deudor.
El caso de BBVA Bancomer es sólo un ejemplo, algunos meses atrás vimos el caso de un deudor de Santander, quien tuvo que acudir a la Condusef para que le respetaran lo prometido.

¿A ti, con la institución bancaria con la que tienes tu tarjeta de crédito te facilitan o dificultan el pago de tu deuda? ¿Ves conflictos entre lo que te dicen en la atención telefónica y lo que te dicen en sucursal? ¿Has logrado que te atiendan o te resuelvan los problemas? ¿Cómo calificas el servicio que te dan como cliente? ¿Qué quieres decirles a los directivos de estos bancos?

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What do you know about business insurance? What you should know about business insurance are two things that are important when you are out to get business insurance for yourself. There are many factors that you will need to take into consideration. But the most important of them are:

1. Price: You need to know you are getting the best quote available. The only ways to ensure that is by getting quotes from at least five different insurance companies and compare them. When you do that, check all the pros and cons so you get the complete picture. Some insurance agencies charge a very small fee upfront but has a lot of other fees such as processing fees, inspection fees, documentation fees, etc which will take the price through the roof. Better still run a search through the Internet and get savvy about the running rate. Another good way to find a good quote is to ask around from friends and relatives. There is nothing better than a tried and trusted hand.

2. Stability: professional companies such as Standard & Poor’s Insurance Rating Services, AM Best, Weiss Research, etc rate all insurance companies’ performances. Make it a point to get sufficient information about the company you choose for your business. Be warned that there are millions of scams out there and unless you are very careful, you will end up in many more woes than without insurance. Be careful when you make the decision – a wrong decision can be the road to bankruptcy.

3. Service: Everyone in this world who buys something looks forward to have the best value for their money. When it comes to insurance the best value is synonymous with service. You can decide how good is your company through the way they answer to your queries and their patience in explaining the nitty-gritty of the insurance policy and its alternatives. You can also gauge the quality of their service from their references. You make it a point to ask for references and follow up on them. Make enquiries and decide only after you are thoroughly satisfied. Once you sign with the insurance company, you cannot do much if you find it giving you horrible service. Be sure before hand.

4. Be informed: All insurance companies need to be registered with the National Insurance Producer Registry. You should not look at insurance companies with a rating of less than B+ as they might be spelling trouble. You want to make sure there is no major black spot on your company; you need to check it out here whether the insurance company has any complaints against it. The Registry will also confirm the validity of the complaints and you can get a pretty accurate picture about the said insurance company from here.

Insurance agent: You can get your business insured through an insurance agent as well. They work on commission basis with the major insurance companies and if you get a good agent he will be able to guide you that can be the best policy and scheme for you. However, keep in mind that he works for commission and he will definitely be interested to earn the highest amount. Hence he will be more likely to promote the company that pays him the highest commission more aggressively. You accept his advice, and run your check on the company as well. When buying an insurance policy through an agent, you will have to ensure two things, i.e. (i) that the agent is a good worker and has a good reputation and (ii) that the company he is representing is above reproach. Ask references from the agent, ask for names of at 5-10 clients and check up on them. If the agent refuses to cooperate, change him/her immediately.