Por ser elevadas y sin argumentos diputados piden eliminar comisiones por uso de cajeros electrónicos

2 de junio de 2016 Diputados, Nacional

La Comisión de Hacienda y Crédito Público de la Cámara de Diputados analizará una iniciativa de reformas a la Ley de Instituciones de Crédito, con el propósito de eliminar cobros por operaciones internas e interbancarias de disposición en efectivo y consulta de saldo de tarjetas de crédito y débito, en cajeros automáticos.

El documento presentado ante la Comisión Permanente por los diputados Braulio Mario Guerra Urbiola y Raúl Domínguez Rex, ambos del PRI, señala que no existe un tope a esos cobros, y, dependiendo de la ubicación y giro comercial donde estén instalados dichos dispensadores, las tarifas están entre ocho y 40 pesos por disposición de efectivo; y, por consulta de saldo, va de 7.50 a 12 pesos.

De acuerdo con datos del Banco de México, en 2015, se realizaron 435 millones 620 mil 647 operaciones en cajeros automáticos; 430 millones 396 mil 409 corresponden a tarjetas de débito y 5 millones 224 mil 238 a tarjetas de crédito.

Del total de esas operaciones, 415 millones 32 mil 767 fueron realizadas en cajeros automáticos del mismo banco que emitió las tarjetas, este número de operaciones se subdivide en 410 millones 571 mil 91 realizadas con tarjetas de débito y 4 millones 461 mil 676 de crédito.

En cuanto a operaciones interbancarias se registró un total de 20 millones 587 mil 880, de las cuales 19 millones 825 mil 318 se realizaron con tarjetas de débito y 762 mil 562 de crédito.

Los dispensadores electrónicos, indica el documento, son uno de los principales puntos de contacto entre usuarios y servicios financieros, pues realizan operaciones sin necesidad de ir a la sucursal y el argumento para cobrar esas comisiones es que permitirá incrementar la red y cubrir costos operativos.

Sin embargo, “de 2008 a 2013 se observó un crecimiento sólo de 2.6 por ciento de esa red”. De acuerdo con información de la Comisión Nacional Bancaria y de Valores, México ocupa el tercer lugar con menos cajeros automáticos en una valoración de 21 países, con 342 cajeros por cada millón de personas.

En zonas rurales, hay ciudadanos que tienen acceso sólo a un cajero que no necesariamente es del banco que emitió su tarjeta, por lo que pagan comisión por disposición de efectivo, además del costo de traslado para llegar a un cajero. “Acceder a este servicio resulta más caro en comparación con quienes viven en zonas urbanas, donde se localiza 93 por ciento del total de cajeros en el país”.

La Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros, refiere que 12 por ciento de las operaciones realizadas con tarjeta de crédito corresponden a disposición de efectivo, por las que se cobra entre 4.5 y 10 por ciento; y, si la operación es interbancaria, el tarjetahabiente deberá pagar la comisión respectiva además del interés diario hasta que liquide la cantidad de la que dispuso.

“El usuario tiene que pagar por un mismo monto hasta tres cargos lo que le resulta más costoso”, por lo que mediante esta iniciativa también se propone eliminar el porcentaje que se cobra por la cantidad a disponer en efectivo con tarjetas de crédito.

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