¿Cuáles son las condiciones económicas de las tarjetas de crédito en 2026?
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23% The Street
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Las condiciones económicas de las tarjetas de crédito en 2026 reflejan altos niveles de endeudamiento, tasas de interés elevadas y presión financiera en múltiples segmentos de la población.
Tasas de interés y costos de endeudamiento
- La tasa promedio de interés de las tarjetas de crédito en EE.UU. se sitúa en torno al 22.83% para saldos existentes, con ofertas nuevas en torno al 22.35%.
- Para quienes tienen buen crédito (740+), las mejores tasas están entre el 17% y el 21%, mientras que los de puntuación media o baja pagan entre el 24% y el 28%, e incluso hasta el 36% en tarjetas subprime.🔗
- El promedio de las tasas de interés de las tarjetas comerciales de bancos estadounidenses alcanza el 21%, significativamente por encima del pico de 2008 (14.5%).
Niveles de deuda y riesgo crediticio
- El saldo total de deudas de tarjetas de crédito en EE.UU. alcanzó 1.252 billones de dólares en el primer trimestre de 2026, un 63% más que en 2021 y 325.000 millones por encima del récord previo al pico de la pandemia.
- El 46% de los titulares de tarjetas de crédito lleva saldos mensuales, y el promedio de deuda por titular es de unos 7.886 dólares.
- El 12.7% de los saldos de tarjetas de crédito están vencidos desde hace 90 días o más, el nivel más alto desde 2011.
Impacto en grupos vulnerables
- En los códigos postales de menores ingresos, la tasa de morosidad a 90 días alcanza el 20%, frente al 7% en los de mayores ingresos.
- El 29% de los usuarios de servicios de “pague ahora, pague después” (BNPL) usan préstamos a plazos para comprar alimentos, más del doble que hace dos años.
- El 47% de los usuarios de BNPL han tenido al menos un pago retrasado en el último año, y más de la mitad dice que no podría hacer frente a sus gastos sin estos préstamos.🔗
Propuestas de regulación y riesgos sistémicos
- La propuesta de un te tet de interés del 10% por parte del presidente Trump generaría una escasez de crédito, según el CEO de Bank of America, que advierte que los bancos dejarían de otorgar créditos a quienes presentan mayor riesgo.
- Analistas advierten que una regulación de este tipo provocaría una “fuga de crédito” masiva, especialmente para quienes necesitan acceso a préstamos para gastos esenciales.🔗
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