Before falling into the hell of the debtors, people who feel that the water has reached the neck and can drown and fail to meet the payment of their credit cards, should consider alternatives such as debt restructuring, closing with the bank that issued the loan.
staff cuts at several companies during the first half of 2009, left much to credit card customers affected in their ability to pay, warned many personal finance experts.
The problem of nonperforming loans in 2009 will be something spectacular right now talking about 9 or 10%, but you may hear, in 2009, during the first six months, increases 20 or 30% default rates, said in an interview with financial expert of Universidad Panamericana (UP), Mario Cortés.
performing loans of credit cards reached 9.9% in October from 7.0% recorded in February this year, according to data from the Association or n Bank of Mexico.
While the delinquency rate of the loan portfolio in banks reached 3.5% in October, with the segment use the most affected with an increase of 7.9%.
restructure a debt of credit card can become an ordeal or be simple, is practically a matter of luck.
By visiting several banks Banamex, Bancomer, HSBC, Banorte, Santander and Scotiabanak Inverlat asking about how to restructure a credit card debt. The result was that in all of them can not perform the procedure in person, but only by telephone.
According to the customer experience sometimes to achieve a restructuring process is simple and involves one or two calls and can sometimes take a long time.
BBVA Bancomer and Banamex offered plans for restructuring credit card debt.
The plan provides for the restructuring BBVA Bancomer, depends on the willingness of each person to settle his debt, said the director of Heritage Bank and Trust, Alejandro Pineda Galicia.
between a client who has the current payments for the next month but can not pay, for a person who has fallen into arrears but is willing to pay, even for those who have to pay the debt but have not wanted to make their payments.
Pineda noted that the monthly interest rate of these plans vary depending on the term you choose, ranging from 6, 12, 18 and 60 months in special cases, with rates 18 to just above 30%.
Even for cases where the person has serious problems with repayment, the bank may waive any default interest and ordinary and set an annual rate of 31%, with maturities of approximately 60 months.
commitment to pay for value, whether the customer wants to pay, because it is very different from what you can do with a client who wants to pay and can not, or people who do not want to pay and may Pineda said Galicia.
Meanwhile, Banamex given time from 9 to 36 months for the restructuring of debt with a fixed rate of 27% annually.
This institution has a section especially within its website where users can calculate their payments by entering the balance you want to set in restructuring or fixed monthly payment.
The restructuring should not exceed a higher interest rate to 24% or 2% per month on unpaid balances, and this is a very accessible rate and costs administration.
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