{"id":536057,"date":"2026-11-12T17:17:30","date_gmt":"2026-11-12T17:17:30","guid":{"rendered":"https:\/\/diariodigitalrd.com\/?p=727705"},"modified":"2026-11-12T17:17:30","modified_gmt":"2026-11-12T17:17:30","slug":"tarjetas-de-credito-en-rd-registran-morosidad-de-5-5-destaca-la-aba","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=536057","title":{"rendered":"Tarjetas de cr\u00e9dito en RD registran morosidad de 5.5%, destaca la ABA"},"content":{"rendered":"

M\u00e1s del 93% de los financiamientos tiene calificaci\u00f3n A y la cartera alcanza RD$122,364 millones<\/strong><\/p>\n

SANTO DOMINGO.<\/strong>\u2013 La cartera de tarjetas de cr\u00e9dito del sistema financiero dominicano alcanz\u00f3 los RD$122,364 millones<\/strong> a julio de 2026, con un \u00edndice de morosidad de 5.5%, inferior al promedio de 7% registrado en los pa\u00edses latinoamericanos analizados, inform\u00f3 la Asociaci\u00f3n de Bancos M\u00faltiples de la Rep\u00fablica Dominicana (ABA)<\/strong>.<\/p>\n

El gremio bancario destac\u00f3 que m\u00e1s del 93% de los financiamientos otorgados mediante este instrumento presenta calificaci\u00f3n A, la categor\u00eda de mejor calidad crediticia establecida por la Superintendencia de Bancos, lo que refleja que la mayor\u00eda de los deudores mantiene sus compromisos al d\u00eda y cuenta con capacidad de pago.<\/p>\n

La entidad precis\u00f3 que el financiamiento mediante tarjetas representa el 5.8% de la cartera total de pr\u00e9stamos de la banca<\/strong>, y consider\u00f3 que estos resultados respaldan la importancia de ese instrumento para el consumo de los hogares y las operaciones comerciales.<\/p>\n

Banco Popular reafirma liderazgo digital en ranking de la Superintendencia de Bancos<\/a><\/p>\n

M\u00e1s de un mill\u00f3n de tarjetas adicionales<\/h3>\n

La ABA indic\u00f3 que entre 2022 y junio de 2026 el n\u00famero de tarjetas de cr\u00e9dito activas aument\u00f3 en 1,098,088 unidades<\/strong>, como resultado de la expansi\u00f3n de distintas categor\u00edas de financiamiento.<\/p>\n

Entre los segmentos de mayor crecimiento figuran las tarjetas con l\u00edmites de RD$25,000 a RD$50,000, que incorporaron cerca de 320,000 unidades adicionales, y aquellas con l\u00edmites de RD$150,000 en adelante, cuyo n\u00famero aument\u00f3 en 289,105.<\/p>\n

\n
<\/figure>\n<\/div>\n

En contraste, las tarjetas con l\u00edmites de hasta RD$10,000 fueron las \u00fanicas que registraron una disminuci\u00f3n. Este segmento perdi\u00f3 45,024 unidades respecto a 2022 y se situ\u00f3 en 616,336 tarjetas a junio de 2026.<\/p>\n

Seg\u00fan la asociaci\u00f3n, el crecimiento de las categor\u00edas con mayores l\u00edmites podr\u00eda estar relacionado con una mejor capacidad de pago de los hogares, el aumento del consumo y la ampliaci\u00f3n de la oferta crediticia de las entidades financieras.<\/p>\n

Valdez Albizu al FMI: econom\u00eda dominicana crece 4.6 % hasta septiembre<\/a><\/p>\n

ABA recomienda controlar el endeudamiento<\/h3>\n

La organizaci\u00f3n resalt\u00f3 que las tarjetas permiten realizar compras, organizar gastos, atender necesidades imprevistas y construir un historial crediticio que posteriormente puede facilitar el acceso a pr\u00e9stamos para viviendas, veh\u00edculos o capital de trabajo.<\/p>\n

Tambi\u00e9n record\u00f3 que los usuarios pueden disponer de hasta 50 d\u00edas para pagar sus consumos sin generar intereses, siempre que liquiden el balance total antes de la fecha l\u00edmite establecida.<\/p>\n

Para aprovechar estos beneficios, recomend\u00f3 revisar los estados de cuenta mensualmente, pagar antes del vencimiento, mantener una utilizaci\u00f3n moderada del l\u00edmite disponible y evitar gastos que superen el presupuesto familiar.<\/p>\n

Sanz Lovat\u00f3n asegura que la libre competencia impulsar\u00e1 a RD hacia la renta plena<\/a><\/p>\n

Asimismo, exhort\u00f3 a conocer las tasas de inter\u00e9s, comisiones, cargos y fechas de corte y pago de cada producto financiero.<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00e1s del 93% de los financiamientos tiene...<\/p>\n","protected":false},"author":1,"featured_media":536058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[60],"tags":[],"class_list":["post-536057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economicas"],"yoast_head":"\nTarjetas de cr\u00e9dito en RD registran morosidad de 5.5%, destaca la ABA - 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