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15:["$","span",null,{"children":"La mayoría de las comisiones aparecen por operaciones puntuales, no por tener la tarjeta activa."}]
16:["$","li","Girar en cajeros fuera de la red de tu banco suele ser el cobro más frecuente y evitable.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$14:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Girar en cajeros fuera de la red de tu banco suele ser el cobro más frecuente y evitable."}]]}]
17:["$","li","Los avances en efectivo con tarjeta de crédito casi siempre generan interés desde el día uno.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$14:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Los avances en efectivo con tarjeta de crédito casi siempre generan interés desde el día uno."}]]}]
18:["$","li","Revisar tu cartola mensual te permite detectar cobros que ni sabías que existían.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$14:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Revisar tu cartola mensual te permite detectar cobros que ni sabías que existían."}]]}]
19:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"no todas las comisiones dependen de tu banco: algunas las cobra un tercero, como el cajero automático de otra red al hacer un giro. Ahí el banco solo actúa como intermediario del cobro."]}]
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1f:["$","$L13",null,{"title":"Pasos para revisar y reducir tus comisiones","children":["$","ol",null,{"className":"list-decimal space-y-3 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Revisa tu última cartola completa."}]," ","No solo el resumen: busca la sección de cargos y comisiones."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Identifica qué comisión se repite más."}]," ","Si ves varios giros en cajeros ajenos o avances en efectivo, ahí está tu principal oportunidad de ahorro."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Cambia el hábito específico."}]," ","Ubica cajeros de tu red, agenda tus giros para evitar urgencias, y revisa alternativas antes de un avance en efectivo."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Pregunta por exención de mantención."}]," ","Si tu tarjeta cobra mantención, consulta si existe una exención por uso mínimo o antigüedad como cliente."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Revisa mensualmente, no solo una vez."}]," ","Las condiciones cambian, así que conviene volver a mirar tu cartola cada cierto tiempo."]}]]}]}]
20:["$","h3",null,{"className":"text-xl","children":"Antes y después de revisar tu cartola"}]
21:["$","div",null,{"className":"my-6 grid items-center gap-4 sm:grid-cols-[1fr_auto_1fr]","children":[["$","div",null,{"className":"rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Antes"}],["$","p",null,{"className":"mt-2 text-navy-soft","children":"Giras en cualquier cajero sin fijarte en la red, y nunca has revisado el detalle de comisiones de tu cartola."}]]}],["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M5 12h14","key":"1ays0h"}],["path",{"d":"m12 5 7 7-7 7","key":"xquz4c"}]],"className":"lucide-arrow-right mx-auto size-5 rotate-90 text-amber sm:rotate-0"}],["$","div",null,{"className":"rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Después"}],["$","p",null,{"className":"mt-2 text-navy-soft","children":"Sabes qué comisiones te cobran, usas cajeros de tu red, y revisas tu cartola cada mes por costumbre."}]]}]]}]
22:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Ahorro directo y medible mes a mes.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ahorro directo y medible mes a mes."}]]}],["$","li","Te obliga a entender realmente cómo funciona tu tarjeta.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Te obliga a entender realmente cómo funciona tu tarjeta."}]]}],["$","li","Reduce sorpresas desagradables en tu cartola.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Reduce sorpresas desagradables en tu cartola."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A tener en cuenta"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Revisar cartolas toma tiempo, aunque sea poco.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M18 6 6 18","key":"1bl5f8"}],["path",{"d":"m6 6 12 12","key":"d8bk6v"}]],"className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Revisar cartolas toma tiempo, aunque sea poco."}]]}],["$","li","Algunas comisiones son inevitables según tu situación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Algunas comisiones son inevitables según tu situación."}]]}],["$","li","Cambiar hábitos de uso cuesta al principio.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Cambiar hábitos de uso cuesta al principio."}]]}]]}]]}]]}]
23:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"un avance en efectivo con tarjeta de crédito no es lo mismo que un giro con tarjeta de débito. El avance genera interés desde el mismo día en que retiras el dinero, incluso si pagas tu próxima cuenta a tiempo."]}]
24:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
25:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Por qué me cobran por girar en un cajero si es \"mi plata\"?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Por qué me cobran por girar en un cajero si es \"mi plata\"?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Porque el cobro no es por retirar tu dinero, sino por usar la infraestructura de un cajero que no pertenece a tu banco."}]]}],["$","details","¿Todas las tarjetas cobran mantención?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Todas las tarjetas cobran mantención?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No. Muchas cuentas vista y tarjetas de débito no cobran mantención, mientras que la mayoría de las tarjetas de crédito sí."}]]}],["$","details","¿Cómo sé si una transferencia me va a costar algo?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cómo sé si una transferencia me va a costar algo?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Revisa en tu app o cartola qué canal estás usando. Muchas transferencias entre cuentas del mismo banco son gratuitas."}]]}],["$","details","¿Es lo mismo un avance en efectivo que un giro normal?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Es lo mismo un avance en efectivo que un giro normal?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No. Un giro con tarjeta de débito usa tu propio saldo. Un avance en efectivo con tarjeta de crédito es un préstamo que empieza a generar interés de inmediato."}]]}],["$","details","¿Vale la pena cambiar de banco solo para evitar comisiones?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Vale la pena cambiar de banco solo para evitar comisiones?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Antes de cambiarte, conviene intentar negociar con tu banco actual o simplemente ajustar tus hábitos de uso."}]]}],["$","details","¿Con qué frecuencia debería revisar mi cartola?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Con qué frecuencia debería revisar mi cartola?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Una revisión mensual es suficiente para la mayoría de las personas."}]]}]]}]
26:["$","$L13",null,{"title":"Conclusión y recomendación práctica","children":[["$","p",null,{"children":"La mayoría de las comisiones que terminas pagando no son obligatorias: responden a operaciones puntuales que puedes evitar con pequeños cambios de hábito, como usar cajeros de tu propia red o evitar los avances en efectivo."}],["$","p",null,{"children":"El paso más simple y más rentable es revisar tu cartola una vez al mes, identificar qué comisión se repite, y ajustar ese hábito específico — no necesitas cambiar de tarjeta ni de banco para empezar a ahorrar."}],["$","p",null,{"children":["Una vez que dejes de pagar esas comisiones, prueba destinar ese mismo monto a un ahorro mensual y proyéctalo con nuestro"," ",["$","$L10",null,{"href":"/simulador-ahorro-compuesto","className":"text-amber hover:text-amber-hover","children":"simulador de ahorro con interés compuesto"}]," ","— ver el número final ayuda a mantener el hábito."]}]]}]
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