{"id":6548,"date":"2023-04-29T08:05:00","date_gmt":"2023-04-29T11:05:00","guid":{"rendered":"https:\/\/atomic-temporary-196621088.wpcomstaging.com\/?p=6548"},"modified":"2023-05-17T15:10:19","modified_gmt":"2023-05-17T18:10:19","slug":"las-mil-cotizaciones-del-dolar-te-dejo-una-guia-rapida-y-simple-para-entender-como-y-cuanto-te-cobra-la-tarjeta-de-credito-ante-el-consumo-en-moneda-extranjera","status":"publish","type":"post","link":"https:\/\/viajarconpaz.com\/?p=6548","title":{"rendered":"LAS MIL COTIZACIONES DEL D\u00d3LAR. TE DEJO UNA GUIA RAPIDA Y SIMPLE PARA ENTENDER C\u00d3MO Y CU\u00c1NTO TE COBRA LA TARJETA DE CR\u00c9DITO ANTE EL CONSUMO EN MONEDA EXTRANJERA."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Las preguntas rondan siempre en, \u00bb cuando me toma el tipo de cambio ? , que tipo de cambio ? cuando hay que calcularlo.?\u00bb.etc etc&#8230; , <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aca les dejo un ejemplo simple y la explicaci\u00f3n ( al que todav\u00eda no la entendi\u00f3), primero que todo LA BASE DEL C\u00c1LCULO.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"text-decoration: underline\">La base es siempre la cotizaci\u00f3n OFICIAL<\/span> multiplicado por el Importe del consumo. Ej<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>cotizaci\u00f3n oficial<strong> DEL DIA DE LA COMPRA  fue $217,48<\/strong> consumo en d\u00f3lares U$S 281,12 da un total de <strong> =  $61138<\/strong><\/li>\n\n\n\n<li>EL 30%, EL 45% Y en caso de corresponder el 25% , SE TE VA A CALCULAR EN <strong>BASE A ESE MONTO<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6552\" data-permalink=\"https:\/\/viajarconpaz.com\/?attachment_id=6552\" data-orig-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/da8b0-image-6.png?fit=432%2C208&amp;ssl=1\" data-orig-size=\"432,208\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image-6\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/da8b0-image-6.png?fit=300%2C144&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/da8b0-image-6.png?fit=432%2C208&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/da8b0-image-6.png?resize=463%2C223&#038;ssl=1\" alt=\"\" class=\"wp-image-6552\" width=\"463\" height=\"223\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hice las cuentas , as\u00ed que, estoy recontra segura. En este caso me fue MUY f\u00e1cil calcularlo , por que tuve 1 solo consumo en esta tarjeta, te muestro :<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"171\" data-attachment-id=\"6554\" data-permalink=\"https:\/\/viajarconpaz.com\/?attachment_id=6554\" data-orig-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/46eb8-image-7.png?fit=827%2C221&amp;ssl=1\" data-orig-size=\"827,221\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image-7\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/46eb8-image-7.png?fit=300%2C80&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/46eb8-image-7.png?fit=640%2C171&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/46eb8-image-7.png?resize=640%2C171&#038;ssl=1\" alt=\"\" class=\"wp-image-6554\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Cosas que tenes que saber: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El DIA <span style=\"text-decoration: underline\">de la compra<\/span> ingresa el consumos en U$S. ( si gastaste en otra moneda, te hace <strong>el \u00a01er cambio<\/strong> de <strong>COTIZACI\u00d3N ) \u00a0<\/strong>ej: \u00a0el 09\/04 la compra de 255,50 EUROS paso a ser una compra de U$S 281, 12.<\/li>\n\n\n\n<li>EL DIA<span style=\"text-decoration: underline\"> del cierre<\/span> van a calcular los impuestos, OSEA, en base a tu consumo (mayor o menor a 299 d\u00f3lares), en este caso fue MENOR, entonces ac\u00e1 <strong>v<\/strong>an solo el IMP PAIS y la RG 4815.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ahi ya tenes el importe en <strong>PESOS A PAGAR<\/strong> ( obvio mas tus consumos en $$$ que hayas tenido).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>LO QUE QUEDA ES PAGAR ESOS D\u00d3LARES<\/strong>! el criterio aplica que :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>si tenes debito autom\u00e1tico va a la cotizaci\u00f3n del d\u00eda del vencimiento.<\/li>\n\n\n\n<li>Si pagas con pesos, antes o despu\u00e9s de esa fecha, tenes que preguntar al banco la cotizaci\u00f3n BNA del d\u00eda del pago.<\/li>\n\n\n\n<li>Si tenes d\u00f3lares en tu cuenta o en la mano ( NO IMPORTA NADA DE DONDE O COMO LOS TENIAS ) \u2013<strong> no tenes que pagar los impuestos en pesos&#8211; <\/strong>, el banco directamente, los va a considerar \u201c pagados \u201c ( los vas a ver con un signo \u201c \u2013\u201c ) al cierre.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Y como un bonus, te muestro que facil se arma la cotizaci\u00f3n :<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"458\" height=\"116\" data-attachment-id=\"6559\" data-permalink=\"https:\/\/viajarconpaz.com\/?attachment_id=6559\" data-orig-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/ad9bc-image-8.png?fit=458%2C116&amp;ssl=1\" data-orig-size=\"458,116\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image-8\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/ad9bc-image-8.png?fit=300%2C76&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/ad9bc-image-8.png?fit=458%2C116&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/ad9bc-image-8.png?resize=458%2C116&#038;ssl=1\" alt=\"\" class=\"wp-image-6559\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">As\u00ed, a la hora de pensar que \u00bb conviene\u00bb hacer, si pagar cash, o la tarjeta ya saben como calcular. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UN DATO QUE ME PARECE OBVIOOOOO&#8230;. pero lo aclaro., el margen de los 299 d\u00f3lares es por TARJETA DE CREDITO, osea no importa quien lo haya consumido , si el titular, , un adicional o entre ambos. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hablando en t\u00e9rminos \u00bb bancarios\u00bb el responsable impositivo es el que puede utilizarlo como quiera, por que a la hora de pedir de pedir al afip el reintegro por el adelanto de ganancias, ese beneficio es SOLO al titular de la tarjeta ( osea el responsable impositivo de la cuenta)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Espero les sea de utilidad.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las preguntas rondan siempre en, \u00bb cuando me toma el tipo de cambio ? , que tipo de cambio ?&hellip;<\/p>\n","protected":false},"author":210267036,"featured_media":2869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false},"categories":[41300],"tags":[],"class_list":["post-6548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compras"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/viajarconpaz.com\/wp-content\/uploads\/2024\/06\/466aa-tarjetas.jpg?fit=282%2C179&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdj07S-1HC","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/posts\/6548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/users\/210267036"}],"replies":[{"embeddable":true,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6548"}],"version-history":[{"count":0,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/posts\/6548\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=\/wp\/v2\/media\/2869"}],"wp:attachment":[{"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/viajarconpaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}