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16:["$","li","El proceso se puede hacer 100% online desde el sitio oficial de la CMF.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$b:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"El proceso se puede hacer 100% online desde el sitio oficial de la CMF."}]]}]
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1c:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"guardar por escrito toda comunicación con tu banco (capturas de pantalla, correos, número de folio) facilita mucho el proceso si necesitas escalar el reclamo después. Esto es especialmente útil si tu reclamo está relacionado con"," ",["$","$L10",null,{"href":"/reclamar-cobro-no-reconocido","className":"text-amber hover:text-amber-hover","children":"un cobro no reconocido"}]," ","o con"," ",["$","$L10",null,{"href":"/que-hacer-si-clonan-tu-tarjeta","className":"text-amber hover:text-amber-hover","children":"un caso de clonación de tarjeta"}],"."]}]
1d:["$","h2",null,{"className":"text-2xl","children":"Errores comunes al hacer un reclamo formal"}]
1e:["$","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":"Lo que sí conviene hacer"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Reclamar primero por el canal oficial del banco antes de ir a la CMF.",{"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":"Reclamar primero por el canal oficial del banco antes de ir a la CMF."}]]}],["$","li","Guardar el número de folio de cada reclamo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Guardar el número de folio de cada reclamo."}]]}],["$","li","Ser específico y cronológico al describir el problema.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ser específico y cronológico al describir el problema."}]]}],["$","li","Adjuntar toda la evidencia disponible (capturas, correos, comprobantes).",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Adjuntar toda la evidencia disponible (capturas, correos, comprobantes)."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Lo que conviene evitar"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Saltarte el reclamo con el banco e ir directo a la CMF.",{"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":"Saltarte el reclamo con el banco e ir directo a la CMF."}]]}],["$","li","Reclamar de forma verbal sin dejar registro escrito.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Reclamar de forma verbal sin dejar registro escrito."}]]}],["$","li","Perder o no guardar el número de folio del reclamo inicial.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Perder o no guardar el número de folio del reclamo inicial."}]]}],["$","li","Dejar pasar mucho tiempo entre el problema y el reclamo, dificulta reunir evidencia.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1e:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Dejar pasar mucho tiempo entre el problema y el reclamo, dificulta reunir evidencia."}]]}]]}]]}]]}]
1f:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
20:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Tiene costo reclamar ante la CMF?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Tiene costo reclamar ante la CMF?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No, es un trámite gratuito."}]]}],["$","details","¿Puedo reclamar directamente en la CMF sin pasar por el banco primero?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo reclamar directamente en la CMF sin pasar por el banco primero?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Generalmente se exige haber reclamado primero con la institución financiera."}]]}],["$","details","¿Cuánto demora la respuesta de la CMF?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuánto demora la respuesta de la CMF?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Varía según la complejidad del caso; el propio sitio de seguimiento te muestra el estado actualizado."}]]}],["$","details","¿La CMF puede obligar al banco a resolver a mi favor?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La CMF puede obligar al banco a resolver a mi favor?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"La CMF fiscaliza y media, pero el resultado depende del análisis específico de cada caso."}]]}],["$","details","¿Puedo reclamar por cualquier tipo de producto financiero?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo reclamar por cualquier tipo de producto financiero?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, la CMF fiscaliza bancos, aseguradoras y otras entidades del mercado financiero, no solo tarjetas."}]]}],["$","details","¿Necesito abogado para hacer el reclamo?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Necesito abogado para hacer el reclamo?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No, es un trámite que cualquier persona puede hacer directamente, sin necesidad de representación legal."}]]}],["$","details","¿Puedo hacer seguimiento de mi reclamo online?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo hacer seguimiento de mi reclamo online?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, con el número de folio entregado por la CMF puedes revisar el estado del caso."}]]}],["$","details","¿Qué pasa si no estoy conforme con la resolución de la CMF?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué pasa si no estoy conforme con la resolución de la CMF?"}],"$L2b"]}]]}]
21:["$","$L14",null,{"title":"Conclusión","children":["$","p",null,{"children":"Si tu banco no te responde o no te deja conforme, no te quedes ahí: la CMF existe justamente para estos casos, y el trámite es gratuito y se puede iniciar online, siempre que ya hayas reclamado primero directamente con tu banco."}]}]
22:["$","div",null,{"className":"mt-10","children":["$","div",null,{"className":"flex items-start gap-4 rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","div",null,{"className":"flex size-11 shrink-0 items-center justify-center rounded-full bg-amber-soft text-amber","children":["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M13 21h8","key":"1jsn5i"}],["path",{"d":"M21.174 6.812a1 1 0 0 0-3.986-3.987L3.842 16.174a2 2 0 0 0-.5.83l-1.321 4.352a.5.5 0 0 0 .623.622l4.353-1.32a2 2 0 0 0 .83-.497z","key":"1a8usu"}]],"className":"lucide-pen-line size-5"}]}],["$","div",null,{"children":[["$","p",null,{"className":"text-sm text-navy-muted","children":"Escrito por"}],["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Equipo Tarjetas Chile"}],["$","p",null,{"className":"mt-1 text-sm text-navy-muted","children":"Redactamos guías y comparativas sobre tarjetas y finanzas personales en Chile, en lenguaje simple y sin tecnicismos bancarios. Revisamos cada artículo contra fuentes oficiales (SERNAC, CMF, bancos) y lo actualizamos cuando cambian las condiciones."}],["$","$L10",null,{"href":"/sobre-nosotros","className":"mt-2 inline-block text-sm font-medium text-amber hover:text-amber-hover","children":"Conoce al equipo →"}]]}]]}]}]
23:["$","p",null,{"className":"mt-6 text-sm text-navy-muted","children":["Fuente oficial:"," ",["$","a",null,{"href":"https://www.cmfchile.cl/","target":"_blank","rel":"noopener noreferrer","className":"text-amber hover:text-amber-hover","children":"CMF Chile"}],". Este contenido es informativo y no constituye asesoría financiera. Ver"," ",["$","$L10",null,{"href":"/aviso-legal","className":"text-amber hover:text-amber-hover","children":"aviso legal"}],"."]}]
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2b:["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Existen otras vías legales adicionales según el caso; para eso conviene evaluar asesoría legal específica."}]
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