{"id":33063,"date":"2018-08-21T19:06:00","date_gmt":"2018-08-22T00:06:00","guid":{"rendered":"http:\/\/innovatori.space\/lat21\/?p=33063"},"modified":"2018-08-21T19:19:36","modified_gmt":"2018-08-22T00:19:36","slug":"estos-seran-los-nuevos-criterios-para-tarjetas-de-credito-y-debito","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=33063","title":{"rendered":"\u00a1Estos ser\u00e1n los nuevos criterios para tarjetas de cr\u00e9dito y d\u00e9bito!"},"content":{"rendered":"<div id=\"attachment_33065\" style=\"width: 1034px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" aria-describedby=\"caption-attachment-33065\" class=\"size-large wp-image-33065\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-1024x576.jpg\" alt=\"Se anuncian ventajas en pl\u00e1sticos de cr\u00e9dito y d\u00e9bito.\" width=\"1024\" height=\"576\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-1024x576.jpg 1024w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-300x169.jpg 300w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-768x432.jpg 768w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-1536x864.jpg 1536w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-1170x658.jpg 1170w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito-585x329.jpg 585w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/08\/Tarjetas-de-cr\u00e9dito.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><p id=\"caption-attachment-33065\" class=\"wp-caption-text\">Muy pronto se eliminar\u00e1n los tratos diferenciados entre tarjetas de cr\u00e9dito y d\u00e9bito.<\/p><\/div>\n<p>Hay buenas noticias para los tarjetahabientes que usan tarjetas de cr\u00e9dito y d\u00e9bito. Para el 27 de octubre -en dos meses y seis d\u00edas-, <strong>estar\u00e1n entrando en vigor nuevas disposiciones del Banco de M\u00e9xico<\/strong>, aplicables a emisores de tarjetas bancarias.<\/p>\n<p>A partir de ese d\u00eda, <strong>los clientes podr\u00e1n utilizar sus pl\u00e1sticos de cr\u00e9dito o d\u00e9bito en\u00a0terminales puntos de venta<\/strong>, sitios web de compra o en cualquier establecimiento sin trato diferenciado, gracias a que los\u00a0mecanismos de autenticaci\u00f3n\u00a0se han extendido entre los principales participantes del negocio emisor y de adquirencia.<\/p>\n<p style=\"font-weight: 400;\">La nueva regulaci\u00f3n homologa el tratamiento que tienen las <a href=\"http:\/\/l21.mx\/american-express-redisena-sus-tarjetas-de-credito-empoderando-mas-a-sus-clientes\/\">tarjetas de cr\u00e9dito<\/a> ante cargos no reconocidos para los usuarios de tarjetas de d\u00e9bito (hasta hoy no cuentan con una protecci\u00f3n similar), por lo que cuando los tarjetahabientes de este tipo de pl\u00e1sticos desconozcan alg\u00fan cargo que no se haya autenticado de forma reforzada, <strong>el emisor deber\u00e1 restituirles los recursos en dos d\u00edas h\u00e1biles<\/strong>.<\/p>\n<p style=\"font-weight: 400;\">En caso de que el cliente reporte su tarjeta como robada o extraviada, <strong>el emisor tendr\u00e1 la obligaci\u00f3n de cancelarla<\/strong> y restituir los recursos correspondientes a cargos no autenticados realizados en las 48 horas previas a dicha notificaci\u00f3n.<\/p>\n<h1>Criterios de protecci\u00f3n<\/h1>\n<p>Los criterios de validaci\u00f3n de operaciones para los usuarios de tarjetas ser\u00e1n:<\/p>\n<ul>\n<li>Informaci\u00f3n de conocimiento del usuario (n\u00famero de identificaci\u00f3n personal, NIP, o frase de seguridad)<\/li>\n<li>Un elemento en poder del usuario (el microcircuito o chip de la tarjeta o un dispositivo m\u00f3vil asociado a la operaci\u00f3n con tarjeta como un token)<\/li>\n<li>un elemento f\u00edsico caracter\u00edstico del usuario (reconocimiento facial, de la huella dactilar y\/o de iris o, uso de la voz).<\/li>\n<\/ul>\n<h1>Diferencias entre pl\u00e1sticos<\/h1>\n<p><strong>Una tarjeta de cr\u00e9dito permite realizar compras que se pagan a futuro<\/strong>, habitualmente a fin de mes, por lo que se pueden hacer compras sin tener dinero en la\u00a0 cuenta. Al hacer un pago se contrae una deuda con la <a href=\"http:\/\/l21.mx\/la-banca-mexicana-eleva-sus-utilidades\/\">entidad financiera<\/a>, por lo que \u00e9sta querr\u00e1 asegurarse de que el usuario tiene ingresos o capacidad de devolverla antes de concederle otra tarjeta de cr\u00e9dito.<\/p>\n<p><strong>En una tarjeta de d\u00e9bito las compras realizadas se cargan directamente<\/strong> y de manera instant\u00e1nea en una cuenta, ya sea una libreta de ahorros, una cuenta corriente o incluso una p\u00f3liza de cr\u00e9dito. Por consiguiente, es imprescindible que tenga saldo (o cr\u00e9dito en la p\u00f3liza) para poder realizar el pago con esa tarjeta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para fines de octubre las tarjetas de cr\u00e9dito y d\u00e9bito podr\u00e1n usarse sin que haya un trato diferenciado de parte de cualquier establecimiento. <\/p>\n","protected":false},"author":69,"featured_media":33065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[23,19],"tags":[],"class_list":["post-33063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","category-portada"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00a1Estos ser\u00e1n los nuevos criterios para tarjetas de cr\u00e9dito y d\u00e9bito! 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