{"id":4327,"date":"2016-03-03T17:21:24","date_gmt":"2016-03-03T17:21:24","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/en\/?p=4327"},"modified":"2017-11-30T09:35:40","modified_gmt":"2017-11-30T09:35:40","slug":"new-rights-for-credit-card-users","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/new-rights-for-credit-card-users\/","title":{"rendered":"New rights for credit-card users"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4327?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4327?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">This resolution modifies the regulations on credit and debit cards, on information transparency and contracts with financial-system users, and also Appendix 2 of Circular 184\/2015: the Customer Care Circular, already reported in<\/span><a href=\"http:\/\/progresomicrofinanzas.org\/en\/improving-customer-care-in-the-finance-industry\/\"> <b><i>Progreso 5.<\/i><\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">The Banking, Insurance &amp; Pension-Fund Supervisor (<\/span><i><span style=\"font-weight: 400;\">Superintendencia de Banca, Seguros y AFP<\/span><\/i><span style=\"font-weight: 400;\">) approved the modifications to the<\/span> <span style=\"font-weight: 400;\">Regulation for Credit and Debit Cards<\/span><span style=\"font-weight: 400;\">, as well as the change to the regulation on<\/span><a href=\"http:\/\/www.bn.com.pe\/transparenciabn\/transparencia-financiera\/ResolucionSBS-8181-2012.pdf\"> <span style=\"font-weight: 400;\">Information Transparency and contracts with financial system users<\/span><\/a><span style=\"font-weight: 400;\">, in order to further protect credit-card users and simplify procedures to make them easier to understand and better suited to their needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This resolution recognises the following user rights:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">To decide how to apply payments to the credit-card account<\/span><\/li>\n<li><span style=\"font-weight: 400;\">To make partial prepayments<\/span><\/li>\n<li><span style=\"font-weight: 400;\">To ensure that the credit card payment is always applied to their debt.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The regulation sets out the order in which payments are to be applied. The first payment should be on the debt bearing the highest interest rate and continue down to the debt with the lowest interest rate. Nonetheless, users have the right to choose another way of applying the payment, if they so wish.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The resolution also makes provisions enabling users from now onwards to make partial upfront payments. In these cases the banking entity will have to employ the corresponding mechanisms for applying the payment to reducing the interest, fees and expenses due.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finally, the regulation makes the proviso that any disbursement of sums equivalent to more than two upcoming payment instalments can be treated as a prepayment, meaning that the users, if they wish, may reduce either the sum of the remaining instalments in the same timeframe, or else the number of payments, with the corresponding reduction in the credit period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The resolution passed into law on 10<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> February 2016 and gives banking institutions until 31st December 2016 to adapt to its provisions.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This resolution modifies the regulations on credit and debit cards, on information transparency and contracts with financial-system users, and also Appendix 2 of Circular 184\/2015: the Customer Care Circular, already reported in Progreso 5. The Banking, Insurance &amp; Pension-Fund Supervisor (Superintendencia de Banca, Seguros y AFP) approved the modifications to the Regulation for Credit and [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":4135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[899,903,901,900,904,902],"class_list":["post-4327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-credit-card","tag-debt","tag-imputation-of-payments","tag-prepayment","tag-revolving-credit","tag-users","numero-6-en","seccion-published-and-draft-legislation-microfinance","pais-peru-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New rights for credit-card users<\/title>\n<meta name=\"description\" content=\"New rights for credit card users when paying their debts\" 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