{"id":57583,"date":"2025-11-12T15:24:31","date_gmt":"2025-11-12T22:24:31","guid":{"rendered":"https:\/\/periodicorealidades.com\/?p=57583"},"modified":"2025-11-12T15:24:32","modified_gmt":"2025-11-12T22:24:32","slug":"diputados-aprueban-reforma-para-cancelar-tarjetas-sin-afectar-historial-en-buro-de-credito","status":"publish","type":"post","link":"https:\/\/periodicorealidades.com\/index.php\/2025\/11\/12\/diputados-aprueban-reforma-para-cancelar-tarjetas-sin-afectar-historial-en-buro-de-credito\/","title":{"rendered":"Diputados aprueban reforma para cancelar tarjetas sin afectar historial en Bur\u00f3 de Cr\u00e9dito"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Con 467 votos a favor, cero abstenciones y ning\u00fan voto en contra, el Pleno de la C\u00e1mara de Diputados aprob\u00f3 por unanimidad una reforma que protege a los usuarios de servicios financieros frente a la emisi\u00f3n y cancelaci\u00f3n de tarjetas bancarias sin su consentimiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La iniciativa, que modifica la <strong>Ley para la Transparencia y Ordenamiento de los Servicios Financieros<\/strong>, busca declarar <strong>nula la emisi\u00f3n de tarjetas de cr\u00e9dito o d\u00e9bito \u2014tanto bancarias como de tiendas departamentales\u2014 sin el consentimiento expreso del usuario<\/strong>. La propuesta fue turnada al Senado de la Rep\u00fablica para su an\u00e1lisis y ratificaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-1024x576.png\" alt=\"\" class=\"wp-image-57585\" srcset=\"https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-1024x576.png 1024w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-300x169.png 300w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-768x432.png 768w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-696x392.png 696w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179-1068x601.png 1068w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-179.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cancelaci\u00f3n r\u00e1pida y sin costo<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">El dictamen establece que las instituciones financieras deber\u00e1n realizar la <strong>cancelaci\u00f3n de tarjetas de cr\u00e9dito o d\u00e9bito en un plazo m\u00e1ximo de tres a cinco d\u00edas h\u00e1biles<\/strong> despu\u00e9s de la solicitud del usuario. Este tr\u00e1mite <strong>no implicar\u00e1 costo alguno<\/strong> ni podr\u00e1 generar cargos, comisiones o penalizaciones.<br>Adem\u00e1s, la terminaci\u00f3n del contrato deber\u00e1 quedar <strong>formalmente comprobada<\/strong> mediante una prueba digital o f\u00edsica emitida por la instituci\u00f3n.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Prohibici\u00f3n de cargos ocultos<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La reforma tambi\u00e9n instruye al <strong>Banco de M\u00e9xico (Banxico)<\/strong> a establecer normas que limiten o proh\u00edban comisiones que distorsionen las sanas pr\u00e1cticas financieras o encubran cargos ocultos, como seguros o membres\u00edas no autorizadas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Sin repercusiones en el Bur\u00f3 de Cr\u00e9dito<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de los puntos m\u00e1s relevantes de la iniciativa es que <strong>la cancelaci\u00f3n o falta de uso de una tarjeta no afectar\u00e1 el historial crediticio del usuario<\/strong>.<br>En caso de que se generen cargos indebidos por productos no solicitados, las instituciones financieras deber\u00e1n <strong>reembolsar los montos en un plazo m\u00e1ximo de cinco d\u00edas h\u00e1biles<\/strong> tras el reporte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cCon esta reforma se evita que las instituciones financieras realicen cobros por anualidades, comisiones u otros conceptos asociados a productos no solicitados, y se proh\u00edbe expresamente que el usuario sea reportado ante sociedades de informaci\u00f3n crediticia\u201d, explic\u00f3 el diputado Ricardo Monreal durante la sesi\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"240\" src=\"https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-180.png\" alt=\"\" class=\"wp-image-57586\" srcset=\"https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-180.png 360w, https:\/\/periodicorealidades.com\/wp-content\/uploads\/2025\/11\/image-180-300x200.png 300w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Con esta aprobaci\u00f3n, la C\u00e1mara de Diputados busca <strong>fortalecer la protecci\u00f3n de los consumidores<\/strong> frente a pr\u00e1cticas abusivas y promover una mayor <strong>transparencia y equidad en los servicios financieros<\/strong> del pa\u00eds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Con 467 votos a favor, cero abstenciones y ning\u00fan voto en contra, el Pleno de la C\u00e1mara de Diputados aprob\u00f3 por unanimidad una reforma que protege a los usuarios de servicios financieros frente a la emisi\u00f3n y cancelaci\u00f3n de tarjetas bancarias sin su consentimiento. La iniciativa, que modifica la Ley para la Transparencia y Ordenamiento [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":57584,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-57583","post","type-post","status-publish","format-standard","has-post-thumbnail","category-nacional"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Diputados aprueban reforma para cancelar tarjetas sin afectar historial en Bur\u00f3 de Cr\u00e9dito - Peri\u00f3dico Realidades<\/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:\/\/periodicorealidades.com\/index.php\/2025\/11\/12\/diputados-aprueban-reforma-para-cancelar-tarjetas-sin-afectar-historial-en-buro-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Diputados aprueban reforma para cancelar tarjetas sin afectar historial en Bur\u00f3 de Cr\u00e9dito - Peri\u00f3dico Realidades\" \/>\n<meta property=\"og:description\" content=\"Con 467 votos a favor, cero abstenciones y ning\u00fan voto en contra, el Pleno de la C\u00e1mara de Diputados aprob\u00f3 por unanimidad una reforma que protege a los usuarios de servicios financieros frente a la emisi\u00f3n y cancelaci\u00f3n de tarjetas bancarias sin su consentimiento. 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