Datos clave
| Indicador | Valor | Año |
|---|---|---|
| apr disclosure required[1] | Card issuers must disclose each periodic rate used to compute the finance charge and the corresponding annual percentage rate under the Truth in Lending Act. | 2026 |
| card billing dispute note[2] | A creditor that receives a cardholder's written notice of a billing error within 60 days after sending the statement must follow the federal billing-error investigation procedure. | 2026 |
| card billing dispute window days[2] | 60 | 2026 |
| credit card shopping note[3] | The CFPB publishes a consumer tools hub on credit cards covering key terms such as APR, how to dispute a charge, and advance notice of significant term changes. | 2026 |
Fuentes
- Cornell Law School Legal Information Institute. 15 U.S. Code 1637 - Open end consumer credit plans.
- Cornell Law School Legal Information Institute. 15 U.S. Code 1666 - Correction of billing errors.
- Consumer Financial Protection Bureau. Credit cards.
Ejemplo representativo
- Monto del préstamo
- $1,000
- Tasa de porcentaje anual (APR)
- 29.99%
- Forma de pago
- 12 pagos mensuales
- Pago
- $97.48
- Cargo financiero
- $169.76
- Total de los pagos
- $1,169.76
Ejemplo: un préstamo a plazos de $1,000 con una APR de 29.99%, pagado en 12 pagos mensuales de $97.48, cuesta $1,169.76 en total, incluido un cargo financiero de $169.76. Solo es una ilustración; su prestamista le informará la APR, el calendario de pagos y el costo total reales antes de que usted acepte un préstamo.