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38% of bank credit cards do not allow to exempt the collection of membership

According to the General Manager of the Association of Banks (Asbanc), Adrian Revilla, 88.24% of the credit cards offered by Peruvian banking nationwide requires the payment of an annual membership fee to its clients. However, of this total, 50% allows the exemption of the collection if the clients comply with certain guidelines determined by the banking entities.

"For example, if a customer consumes a sun every month (for 12 months), in the end, he will not pay the membership fee (for a certain type of plastic) to the bank or if he performs certain types of transactions, the bank will not charge him membership. This happens in the banking system, "he said.

However, there is another 38.24% of bank credit cards that do not allow exoneration, according to Revilla during his presentation to the Committee on Consumer Defense and Regulatory Agencies of Congressional Public Services. In this instance a bill is being debated that proposes to regulate the payment of the annual membership of the credit cards in the financial system.


The benefits would be out

It should be noted that there is also 12% of bank credit plastics that do not demand this commission, and that in total, there are 102 different types of credit cards in Peru. "We are concerned (the banks) that Congress approve this bill and withdraw the collection of the annual membership of these credit plastics and that customers, who already have cards, continue to maintain the benefits of these plastics," Revilla said, according to Agencia Andina.

According to César Saavedra, member of the Banking Law Committee of Asbanc, the commission of membership of credit plastics is charged on the grounds that it grants benefits such as VIP lounges at airports, special insurance, among others.

"The fact that the client does not make use of the benefits that he has at his disposal (by having a plastic credit) does not mean that the service is not effectively provided because these benefits can be triggered when the client wishes," he explained.