
Buenas noticias para compradores con tarjetas de crédito; en marzo será más barato endeudarse
La baja en la tasa de usura beneficiará a los consumidores que utilizan tarjetas de crédito y otros productos de financiamiento.

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Los colombianos que planean endeudarse en marzo recibieron una buena noticia. Según la Resolución 0352 de 2025 de la Superintendencia Financiera de Colombia, la tasa de usura para el crédito de consumo y ordinario se fijó en 24,92 % efectivo anual, lo que representa una disminución de 1,38 puntos porcentuales respecto al dato de febrero (26,30 %).
Esta reducción marca la reanudación de la tendencia a la baja que se había mantenido durante 20 meses consecutivos antes de ser interrumpida en febrero. La tasa de usura se calcula a partir del interés bancario corriente y define el máximo que los bancos pueden cobrar por intereses remuneratorios y de mora.
La baja en la tasa de usura beneficiará a los consumidores que utilizan tarjetas de crédito y otros productos de financiamiento, permitiéndoles pagar menores intereses por sus deudas.
En la misma certificación, la Superintendencia Financiera también estableció los límites de usura para otras modalidades de crédito productivo:
La reducción en la tasa de usura para marzo representa un alivio para los consumidores y empresarios que buscan financiamiento. No obstante, es clave que los usuarios de crédito mantengan una planificación financiera responsable para aprovechar los beneficios de menores tasas sin incurrir en sobreendeudamiento.
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