Calculadora de Saldo Diario Promedio
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Saldo Diario Promedio
Es la forma más común en que los emisores de tarjetas calculan los cargos financieros. Cada día, la tarjeta rastrea tu saldo después de compras y pagos. El promedio de esos saldos diarios se multiplica por la tasa periódica diaria (TAE ÷ 365) y el número de días en el ciclo de facturación para determinar los intereses adeudados.
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Sources & References
Credit Card Interest Calculation Methods
Most credit cards use the Average Daily Balance method. Alternatives include Adjusted Balance (rare, most favorable) and Previous Balance (rare, least favorable). Federal law requires disclosure of the calculation method.
Grace Period Rules
Credit cards typically offer a 21-25 day grace period on new purchases IF you pay the previous statement balance in full. Carrying any balance eliminates the grace period, and all purchases accrue interest immediately.
Daily Compounding Adds Up Fast
Credit card interest compounds daily, meaning you pay interest on interest. At 18% APR, $5,000 in debt costs $2.47/day initially, but this grows as interest is added to principal. This is why balances grow despite making minimum payments.
⚠️ Daily Compounding Adds Up Fast