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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