lunes, 3 de enero de 2011

TARJETA DE CREDITO NO, TARJETA DE NOMINA SI






















Segùn una nota aparecida el dia de hoy en el Universal.com; los bancos apostaràn por un crecimiento en crèditos al consumo vìa nòmina, http://www.eluniversal.com.mx/tudinero/3080.html

La noticia es muy interesante, ya que significa que los bancos se encuentran mas cuidadosos en cuanto a otorgar créditos de consumo vía tarjetas de crédito, y darán preferencia quienes tengan cuenta de nomina con ellos; es decir ahora apostaran más por los prestamos vía tarjetas de nomina y ¿por que? Por que así tendrán amarrado su pago, vía los depósitos de sueldos a quienes utilicen un préstamo o un crédito bancario vía tarjetas de nómina.

Indican en la nota, lo que ya sabíamos nosotros desde por ahí 2006 y 2007, ya en estos espacios. Los bancos habían sido extraordinariamente inconcientes al otorgar créditos a todo tipo de personas, nos llegaron noticias en aquellas fechas de que se les había otorgado créditos, incluso a menores de edad y amas de casa o estudiantes sin limite de crédito. En esta nota aclaran que parte de esos créditos otorgados a discreción, había sido generado por terceros. Ahora la banca será más cuidadosa y tendrán la preferencia en cuanto otorgamientos de crédito, es decir serán ellos quienes decidan a quienes se les dará una tarjeta y a quienes no. Ese fue su gran error que llevo a tener en 2008 la tasa más alta de crédito vencido, la cartera vencida más grande, que al parecer va en decremento.

Esta nota por supuesto admite una negligencia terrible por parte de ellos, el otorgamiento excesivo de tarjetas a personas con pocos ingresos, o de altos montos a personas también con pocos ingresos, en una economía estancada como la nuestra pues siempre es una tentación, que no justifica pero aclara parte de la culpa bancaria en cuanto al crecimiento de la elevada cartera vencida de por ahí de hace dos años, cuando desde la AMB nos gritaban exclusivamente a nuestro espacio, uno que fomentaba el no pago, cuando solo se exigía que nos dieran tan solo tiempo para pagar.

¡Ah! Que tiempos los del 2008 cuando se detono la mas alta moratoria en pagos al crédito al consumo. Y cuando el Foro de Deudores
fue objeto de críticas intensas de la banca.

Sin embargo es muy importante analizar queridos amigos el mensaje que no manda Batbaz; los próximos moratorios serán aquellos quienes tengan préstamo amarrado a su tarjeta de nómina, lo cual implica que aumentara el cobro a lo chino, vía sus tarjetas de pago de nómina bancarias y ahí es difícil evitarlo, salvo que su empresa sea condescendiente con ustedes, o que cambien de empleo; pero desafortunadamente los grandes contratos de nómina empresarial, los manejan los 3 bancos mas grandes de México, Bancomer, Banamex y HSBC. Es decir tienen el monopolio así que es muy factible que sigan viéndole las caras en cuanto empleo puedan obtener.

Ahora a dos años, la situación parece mejorar. Los mexicanos somos más cautos en cuanto al manejo del crédito más caro del mundo: las tarjetas de crédito mexicanas.

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