(Pinanatili ng BSP) 2% CREDIT CARD RATE CEILING

BSP-12

MANANATILI ang maximum credit card interest rate o finance charges sa unpaid outstanding balance sa 2 percent per month o 24 percent per year, ayon sa Bangko Sentral ng Pilipinas (BSP).

Sa isang statement, sinabi ng centtal bank na ang montly add-on rates para sa installment loans ay mananatili rin sa maximum rate na1 percent.

Samantala, ang maximum processing fee sa pag-avail ng credit card cash advances ay pinanatili sa P200 per transaction.

Ang cap ay kaugnay sa BSP Circular No. 1098 na ipinalabas noong Setyembre 24, 2020 upang maibsan ang epekto ng COVID-19 pandemic sa mga Filipino.

“The decision is based on a holistic assessment of developments in the macroeconomy, the state of credit card financing as well as the safety and soundness of banks and other credit card issuers. It will also continue to help ease financial burden of consumers through affordable credit card pricing.” wika ni BSP Governor Benjamin Diokno.

Ayon sa BSP, tumaas ang billings at credit card applications nang alisin ang COVID-19 quarantine restrictions.

Hanggang noong Disyembre 2020, ang credit card receivables ay nagposte rin ng double-digit growth na  13.5 percent year-on-year.

49 thoughts on “(Pinanatili ng BSP) 2% CREDIT CARD RATE CEILING”

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