{"id":42019,"date":"2026-09-05T00:00:55","date_gmt":"2026-09-05T03:00:55","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=42019"},"modified":"2026-09-04T12:27:36","modified_gmt":"2026-09-04T15:27:36","slug":"cayo-el-uso-de-la-tarjeta-de-credito-y-el-financiamiento-retrocedio-101-interanual","status":"publish","type":"post","link":"https:\/\/victoriaaldia.com\/?p=42019","title":{"rendered":"Cay\u00f3 el uso de la tarjeta de cr\u00e9dito y el financiamiento retrocedi\u00f3 10,1% interanual"},"content":{"rendered":"<h2>Consumo y financiamiento<\/h2>\n<header class=\"cl-24 header-interior interior-top-1\">El saldo financiado perdi\u00f3 terreno durante agosto una vez descontado el efecto de la inflaci\u00f3n. La mayor morosidad y las restricciones de los bancos para ampliar l\u00edmites aparecen entre los factores que explican el menor uso.<\/header>\n<header><\/header>\n<header>El financiamiento mediante\u00a0<b>tarjeta de cr\u00e9dito<\/b>\u00a0continu\u00f3 perdiendo terreno durante agosto. Medido en t\u00e9rminos reales, es decir, descontando el efecto de la inflaci\u00f3n, registr\u00f3 una ca\u00edda del 10,1% respecto del mismo mes de 2025.<\/p>\n<p>&nbsp;<\/p>\n<p>La contracci\u00f3n tambi\u00e9n se observ\u00f3 frente a julio, aunque fue menor: alcanz\u00f3 el 0,3%. Para realizar el c\u00e1lculo, el relevamiento tom\u00f3 una inflaci\u00f3n estimada del 1,7% mensual y del 33,5% durante los \u00faltimos doce meses, seg\u00fan un informe de First Capital Group al que accedi\u00f3 Infobae.<\/p>\n<p>En valores nominales, en cambio, el saldo financiado creci\u00f3 1,4% durante agosto y alcanz\u00f3 los $25,1 billones. El monto es 20,1% superior al de un a\u00f1o atr\u00e1s, pero ese incremento qued\u00f3 por debajo de la evoluci\u00f3n de los precios.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>El retroceso se aceler\u00f3 en los \u00faltimos meses<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>El informe muestra que la disminuci\u00f3n del uso de la\u00a0<b>tarjeta de cr\u00e9dito<\/b>\u00a0como herramienta de financiamiento viene profundiz\u00e1ndose. La cartera cay\u00f3 3,4% en t\u00e9rminos reales durante el \u00faltimo trimestre y acumul\u00f3 una baja del 5,9% en seis meses.<\/p>\n<p>&nbsp;<\/p>\n<p>Guillermo Barbero, socio de First Capital Group, se\u00f1al\u00f3 que se observa una aceleraci\u00f3n del proceso despu\u00e9s del crecimiento registrado entre marzo de 2024 y noviembre de 2025. \u201cCada vez se usa menos la tarjeta como herramienta de financiamiento\u201d, explic\u00f3.<\/p>\n<p>&nbsp;<\/p>\n<figure class=\"embed\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/elonce-media.elonce.com\/fotos-nuevo\/2024\/01\/23\/o_1705997335.jpg\" alt=\"\" width=\"600\" height=\"400\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p>El promedio mensual de contracci\u00f3n tambi\u00e9n refleja esa tendencia: fue de 0,84% durante el \u00faltimo a\u00f1o, pas\u00f3 a 0,98% en el semestre y alcanz\u00f3 1,13% en los \u00faltimos tres meses.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Morosidad y menores l\u00edmites de cr\u00e9dito<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>Una de las razones se\u00f1aladas por el informe es el aumento de los problemas de pago. Los clientes que presentan situaciones irregulares pueden sufrir la suspensi\u00f3n de sus tarjetas, mientras que las entidades financieras se muestran m\u00e1s restrictivas para ampliar los l\u00edmites disponibles.<\/p>\n<p>&nbsp;<\/p>\n<p>Barbero indic\u00f3 que los bancos concentran las mejoras crediticias en los usuarios con mejores perfiles financieros. Sin embargo, justamente esos clientes suelen mostrar una menor necesidad de endeudarse en el contexto actual.<\/p>\n<p>&nbsp;<\/p>\n<figure class=\"embed\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/elonce-media.elonce.com\/fotos-nuevo\/2024\/01\/23\/o_1705997334.jpg\" alt=\"\" width=\"600\" height=\"400\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p>La\u00a0<b>tarjeta de cr\u00e9dito<\/b>\u00a0contin\u00faa teniendo un peso importante en los hogares con dificultades econ\u00f3micas. Un relevamiento citado en el informe indica que apenas el 36% de los consultados logr\u00f3 pagar completamente su \u00faltimo resumen, mientras que el resto recurri\u00f3 a pagos parciales o inferiores al m\u00ednimo.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>El cr\u00e9dito tambi\u00e9n se utiliza para gastos cotidianos<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>El endeudamiento tampoco se concentra \u00fanicamente en consumos importantes o compras postergables. Entre los hogares relevados, el 44,5% se\u00f1al\u00f3 que hab\u00eda tomado deuda principalmente para comprar alimentos y productos b\u00e1sicos.<\/p>\n<p>Otro 32% manifest\u00f3 haber recurrido al cr\u00e9dito para afrontar servicios, impuestos, alquileres y otros gastos vinculados con la vivienda.<\/p>\n<p>&nbsp;<\/p>\n<p>En moneda extranjera, el saldo financiado mediante\u00a0<b>tarjeta de cr\u00e9dito<\/b> alcanz\u00f3 los US$670 millones. El monto cay\u00f3 15,9% respecto de julio, aunque se mantuvo 1,5% por encima del registrado en agosto del a\u00f1o pasado. Fuente: Infobae<\/p>\n<p><a href=\"https:\/\/victoriaaldia.com\/?attachment_id=9276\" rel=\"attachment wp-att-9276\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9276\" src=\"http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/coopar.png\" alt=\"\" width=\"720\" height=\"90\" srcset=\"https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/coopar.png 720w, https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/coopar-300x38.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<\/header>\n","protected":false},"excerpt":{"rendered":"<p>Consumo y financiamiento El saldo financiado perdi\u00f3 terreno durante agosto una vez descontado el efecto de la inflaci\u00f3n. La mayor&hellip;<\/p>\n","protected":false},"author":3,"featured_media":42020,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nogoya_volanta":"","nogoya_breaking":false,"nogoya_exclusive":false,"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-42019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cay\u00f3 el uso de la tarjeta de cr\u00e9dito y el financiamiento retrocedi\u00f3 10,1% interanual - Victoria Al D\u00eda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/victoriaaldia.com\/?p=42019\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cay\u00f3 el uso de la tarjeta de cr\u00e9dito y el financiamiento retrocedi\u00f3 10,1% interanual - Victoria Al D\u00eda\" \/>\n<meta property=\"og:description\" content=\"Consumo y financiamiento El saldo financiado perdi\u00f3 terreno durante agosto una vez descontado el efecto de la inflaci\u00f3n. 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