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Feb 5, 2014

ALERT / ALERTA, FGC BOLSA - FGC FINANCIAL MARKETS February 05, 2014 : Mucho cuidado con los préstamos de Interbank asociados a tarjetas de crédito vinculadas a casas comerciales by Fernando Guzmán Cavero



MUCHO CUIDADO CON LOS CRÉDITOS FURTIVOS DEL BANCO 

INTERNACIONAL DEL PERÚ "INTERBANK"




El modus operandi que Interbank ofrece tarjetas de crédito  asociadas a Plaza Vea responde a un esquema financiero fraudulento y que a falta de una efectiva supervisión de la Superintendencia de Banca, Seguros y AFPs y en corresponsabilad con INDECOPI  se da de la siguiente manera.

A TODAS AQUELLAS PERSONAS QUE LES OFRECEN Y/O LES OFRECIERON PRÉSTAMOS POR SU PUNTUAL PAGO MENSUAL  EN SUS CONSUMOS REALIZADOS CON SU TARJETA DE CRÉDITO, ÉSTE FUNCIONA COMO PROCEDO A DESCRIBIR:

ES UN PRÉSTAMO QUE BAJO LA APARIENCIA  DE OBTENERLO A UNA TASA PREFERENCIAL  QUE PUEDE OSCILAR  ENTRE UN 35% , 34%  O CUALESQUIERA OTRAS TASAS PERO MENOR A LA TASA DE INTERÉS QUE  COBRAN EN LA TARJETA DE CRÉDITO.

Debe ser un número importante de clientes que haya recibido una comunicacón como la  siguiente:


Por seguridad, el nombre de la persona a quien se le ofrece el préstamo a una tasa menor a la de la tarjeta de Crédito...???  ha  sido borrado:

Asi comienza el embuste:

Usted como cliente puntual recibe una comunicación como la que aparece  a continuación:



Seguidamente el Cliente se acerca a las oficinas para confirmar el extra cash ofrecido. Le confirman el mismo, y procede a  averiguar cuanto serìan las cuotas mensuales  si fueran en 12, 24, 36 o 48 meses la cancelación del mismo.

Una vez, que el cliente decide el tiempo para pagar el prèstamo, se establece el cronograma de pagos de acuerdo a la tasa ofrecida. Le hacen entrega del  Extra Embuste. perdón del ExtraCash y se retira satisfecho.

Al cliente nunca le informaron que el extracash le sería cargado a su tarjeta como un consumo más del mes. Que quiere decir esto:

"Que la tasa ofrecida no es más que una estafa."

 El pago mensual acordado al ser cargado nuevamente a su tarjeta de crédito no hace sino manipular la tasa de interés, al hacer que el pago mínimo de su tarjeta  se incremente. Entre otras consideraciones que abordaré más adelante, haciendo de este tipo de préstamos el equivalente al

MÁS VIL PRÉSTAMO QUE  UN AGIOTISTA PUEDE OFRECER, AMBOS TE MATARÁN SI NO LO PUEDES PAGAR.


 Qué? Cómo?... Sí, estimados lectores, en simples palabras burlaron  con premeditación alevosía y ventaja a cierto segmento del mercado  necesitado de crédito y confiando en la calificación o seriedad con la que los hacedores de anuncios publicitarios lo presentan, con gran impacto "Marketero" -vaya termino éste que ha devenido o equivale a La Mejor Campaña De Marketing es La que Más Engaña-  a través de la utilización de mecanismos que en países desarrollados están vedados.

Continuará....

English Version

Translated using Automatic Google Translator

CAREFUL WITH BANK LOANS poachers

INTERNATIONAL PERU " Interbank "



The operating systemic way Interbank offers credit cards associated to Plaza Vea responds to a fraudulent financial scheme and the absence of effective supervision of the Superintendency of Banking, Insurance and AFPs and shared responsibility with INDECOPI is given as follows .

TO ALL THOSE PEOPLE THAT WERE OFFERED A LOAN WITH AN INTEREST RATE BELOW YOUR CREDIT CARD INTEREST RATE ,  WORKS AS DESCRIBE NEXT:

IT IS A LOAN TO GET IT IN THE APPEARANCE OF A PREFERRED RATE BETWEEN  35 %, 34 % OR OTHER INTEREST BUT LESS THAN THE RATE THAT IS CHARGED ON YOUR CREDIT CARD .

There must be a significant number of customers who have received a notification as follows :

For safety, the name of the person who is offering you the loan to lower the credit card ... ? Rate ? has been deleted :


So begins the lie :

You as a client receives timely communication as shown below :



Then the client goes to the bank office to confirm the cash bonus offered. the Bank confirms the same , and you proceed to find out how much the monthly payments would be if they were paid in 12, 24, 36 or 48 months.

Once the customer decides the time to repay the loan, the payment schedule according to the rate offered is established. We make delivery of the Whopper Extra . forgiveness and removed ExtraCash satisfied.

The client  was never informed  that  the ExtraCash  monthly payment is again debited to your card as a month 's consumption . What does this mean :

" That the rate offered is nothing but a scam. "

 The monthly payment agreed to be charged back to your credit card is not but a manipulation of the interest rate;  making the minimum payment on your card higher than shall be. Among other considerations which I will discuss later , making such loans equivalent to

MORE LESS AROUND A JOBBER RATE BOTH WILL KILL YOU, IF YOU CAN NOT PAY BACK THE LOAN 

 What? How ? ... Yes , dear readers , in simple words mocked with malice aforethought and oriented to a certain market segment in need of credit, and relying on the score or seriousness with which the marketeers of commercials do, with great impact.

" Marketing nowadays has become to be measured " in terms of who is the best liar is the best professional (nothing to do with those that created the theory with ethics), through the use of mechanisms that in developed countries are forbidden and in others accepted as ethical. 

To be continued ....


NYT | Asian Morning Today's Headlines February 06, 2014: Google Reaches Deal to Settle European Antitrust Case

The New York Times
NYT Apps|

Thursday, February 6, 2014


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FTC | Consumer Updates February 05, 2014: A text message that’s no prize.


Federal Trade Commission Consumer Information

by Cristina Miranda
Consumer Education Specialist, FTC

A free iPad?! A $1,000 gift card? And all for clicking on a “YOU HAVE BEEN SELECTED FOR A PRIZE” text message you got out of the blue?
Read more >

DealBook P.M. Edition February 05, 2014: The Trade: Maintaining Ethics in the Move From Regulator to Regulated

For the latest updates, go to dealbook.nytimes.com »
WEDNESDAY, FEBRUARY 5, 2014
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