1:"$Sreact.fragment"
2:I[22016,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js","/_next/static/chunks/3e36yk19u3905.js"],""]
3:I[5014,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js","/_next/static/chunks/3e36yk19u3905.js"],"default"]
4:I[96446,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js","/_next/static/chunks/3e36yk19u3905.js"],"Reveal"]
c:X
11:X
11:C
0:{"buildId":"YQs_pcxBvhYT5HdZQNU-b","data":[{"rsc":["$","$1","c",{"children":[["$","main",null,{"className":"mx-auto max-w-3xl px-4 py-12 sm:px-6","children":[["$","script",null,{"type":"application/ld+json","dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"Article\",\"headline\":\"Diferencia entre repactar y consolidar una deuda\",\"description\":\"Repactar y consolidar suenan parecido, pero son estrategias distintas para manejar una deuda de tarjeta. Te explicamos cuándo conviene cada una.\",\"url\":\"https://tarjetaschile.cl/repactar-vs-consolidar-deuda\",\"mainEntityOfPage\":\"https://tarjetaschile.cl/repactar-vs-consolidar-deuda\",\"datePublished\":\"2026-08-31\",\"dateModified\":\"2026-09-05\",\"author\":{\"@type\":\"Organization\",\"name\":\"Equipo Tarjetas Chile\",\"url\":\"https://tarjetaschile.cl/sobre-nosotros\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Tarjetas Chile\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https://tarjetaschile.cl/images/brand/logo-horizontal.png\"}}}"}}],["$","script",null,{"type":"application/ld+json","dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https://tarjetaschile.cl/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ahorro y gestión\",\"item\":\"https://tarjetaschile.cl/ahorro-y-gestion\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Diferencia entre repactar y consolidar una deuda\",\"item\":\"https://tarjetaschile.cl/repactar-vs-consolidar-deuda\"}]}"}}],["$","nav",null,{"aria-label":"Breadcrumb","className":"flex flex-wrap items-center gap-1 text-sm text-navy-muted","children":[["$","$L2",null,{"href":"/","className":"hover:text-amber","children":"Inicio"}],["$","$L3",null,{"iconNode":[["path",{"d":"m9 18 6-6-6-6","key":"mthhwq"}]],"className":"lucide-chevron-right size-3.5"}],["$","$L2",null,{"href":"/ahorro-y-gestion","className":"hover:text-amber","children":"Ahorro y gestión"}],["$","$L3",null,{"iconNode":"$0:data:0:rsc:props:children:0:props:children:2:props:children:1:props:iconNode","className":"lucide-chevron-right size-3.5"}],["$","span",null,{"className":"text-navy","children":"Diferencia entre repactar y consolidar una deuda"}]]}],["$","h1",null,{"className":"mt-3 text-3xl sm:text-4xl","children":"Diferencia entre repactar y consolidar una deuda"}],["$","p",null,{"className":"mt-2 text-sm text-navy-muted","children":["Actualizado el"," ","4 de septiembre de 2026"]}],["$","$L4",null,{"aria-hidden":true,"className":"mt-6 aspect-video w-full overflow-hidden rounded-xl border border-border bg-ivory-raised","children":["$","svg",null,{"viewBox":"0 0 400 225","className":"h-full w-full","xmlns":"http://www.w3.org/2000/svg","children":[["$","rect",null,{"width":"400","height":"225","fill":"var(--color-ivory-muted)"}],["$","circle",null,{"cx":"345","cy":"35","r":"75","fill":"var(--color-cobalt)","opacity":"0.12"}],["$","circle",null,{"cx":"45","cy":"200","r":"95","fill":"var(--color-violet)","opacity":"0.1"}],[["$","g",null,{"transform":"rotate(-8 90 63)","children":[["$","rect",null,{"x":55,"y":40,"width":70,"height":46,"rx":12,"fill":"var(--color-cobalt)"}],["$","rect",null,{"x":55,"y":60,"width":70,"height":10,"fill":"var(--color-ivory)","opacity":"0.35"}],["$","rect",null,{"x":69,"y":62,"width":28,"height":8,"rx":4,"fill":"var(--color-ivory)","opacity":"0.5"}]]}],["$","g",null,{"transform":"rotate(6 90 123)","children":[["$","rect",null,{"x":55,"y":100,"width":70,"height":46,"rx":12,"fill":"var(--color-violet)"}],["$","rect",null,{"x":55,"y":120,"width":70,"height":10,"fill":"var(--color-ivory)","opacity":"0.35"}],["$","rect",null,{"x":69,"y":122,"width":28,"height":8,"rx":4,"fill":"var(--color-ivory)","opacity":"0.5"}]]}],["$","g",null,{"transform":"rotate(-4 90 181)","children":[["$","rect",null,{"x":55,"y":158,"width":70,"height":46,"rx":12,"fill":"var(--color-navy-muted)"}],["$","rect",null,{"x":55,"y":178,"width":70,"height":10,"fill":"var(--color-ivory)","opacity":"0.35"}],["$","rect",null,{"x":69,"y":180,"width":28,"height":8,"rx":4,"fill":"var(--color-ivory)","opacity":"0.5"}]]}],["$","path",null,{"d":"M 135 63 L 250 112","stroke":"var(--color-border)","strokeWidth":2,"strokeDasharray":"3 5"}],["$","path",null,{"d":"M 135 123 L 250 112","stroke":"var(--color-border)","strokeWidth":2,"strokeDasharray":"3 5"}],["$","path",null,{"d":"M 135 181 L 250 112","stroke":"var(--color-border)","strokeWidth":2,"strokeDasharray":"3 5"}],"$L5"]]}]}],"$L6","$L7","$L8"]}],["$L9"],"$La"]}],"isPartial":"$@b","staleTime":"$c","varyParams":null},{"rsc":"$Ld","isPartial":"$@e","staleTime":"$c","varyParams":null},{"rsc":"$Lf","isPartial":"$@10","staleTime":"$c","varyParams":"$11"}],"isUpgradeableISRFallback":false,"a":"$@12","rootVaryParams":null,"needsRuntimeRequest":"$@13"}
14:I[61030,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js","/_next/static/chunks/3e36yk19u3905.js"],"Section"]
2c:I[97367,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"OutletBoundary"]
2d:"$Sreact.suspense"
2f:I[97367,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"ViewportBoundary"]
30:I[97367,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"MetadataBoundary"]
31:I[27201,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"IconMark"]
32:I[39756,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"default"]
33:I[37457,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"default"]
5:["$","g",null,{"transform":"rotate(0 305 112)","children":[["$","rect",null,{"x":250,"y":74,"width":110,"height":76,"rx":12,"fill":"var(--color-gold)"}],["$","rect",null,{"x":250,"y":94,"width":110,"height":10,"fill":"var(--color-ivory)","opacity":"0.35"}],["$","rect",null,{"x":264,"y":126,"width":44,"height":8,"rx":4,"fill":"var(--color-ivory)","opacity":"0.5"}]]}]
6:["$","div",null,{"className":"mt-8 space-y-6 text-navy-soft","children":[["$","$L14",null,{"children":["$","p",null,{"className":"text-lg","children":"Repactar y consolidar suenan parecido, pero son estrategias distintas para manejar una deuda de tarjeta. Te explicamos cuándo conviene cada una — incluyendo qué revisar si tu caso específico es deuda repartida en varias tarjetas."}]}],["$","ul",null,{"className":"my-6 space-y-2 rounded-xl border border-border bg-ivory-muted p-5","children":[["$","li","Repactar significa renegociar las condiciones de una deuda específica con la misma institución que te la prestó.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["circle",{"cx":"12","cy":"12","r":"10","key":"1mglay"}],["path",{"d":"m16 9-5.5 5.5L8 12","key":"xofnsj"}]],"className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Repactar significa renegociar las condiciones de una deuda específica con la misma institución que te la prestó."}]]}],["$","li","Consolidar significa juntar varias deudas de distintas tarjetas o instituciones en un solo crédito nuevo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Consolidar significa juntar varias deudas de distintas tarjetas o instituciones en un solo crédito nuevo."}]]}],["$","li","Ambas buscan hacer la deuda más manejable, pero se usan en situaciones distintas.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ambas buscan hacer la deuda más manejable, pero se usan en situaciones distintas."}]]}],["$","li","Ninguna de las dos estrategias funciona si no se acompaña de un ajuste real en el gasto mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ninguna de las dos estrategias funciona si no se acompaña de un ajuste real en el gasto mensual."}]]}]]}],["$","h2",null,{"className":"text-2xl","children":"Ficha técnica rápida"}],["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","Repactar — con quién se hace",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Repactar — con quién se hace"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"La misma institución de la deuda original"}]]}],["$","div","Consolidar — con quién se hace",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Consolidar — con quién se hace"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Puede ser una institución nueva"}]]}],["$","div","Repactar — objetivo",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Repactar — objetivo"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Cuotas más bajas o más plazo sobre una deuda puntual"}]]}],["$","div","Consolidar — objetivo",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Consolidar — objetivo"}],"$L15"]}],"$L16"]}],"$L17","$L18","$L19","$L1a","$L1b","$L1c","$L1d","$L1e","$L1f","$L20","$L21","$L22","$L23","$L24","$L25","$L26","$L27","$L28","$L29","$L2a","$L2b"]}]
7:["$","div",null,{"className":"mt-10","children":["$","div",null,{"className":"flex items-start gap-4 rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","div",null,{"className":"flex size-11 shrink-0 items-center justify-center rounded-full bg-amber-soft text-amber","children":["$","$L3",null,{"iconNode":[["path",{"d":"M13 21h8","key":"1jsn5i"}],["path",{"d":"M21.174 6.812a1 1 0 0 0-3.986-3.987L3.842 16.174a2 2 0 0 0-.5.83l-1.321 4.352a.5.5 0 0 0 .623.622l4.353-1.32a2 2 0 0 0 .83-.497z","key":"1a8usu"}]],"className":"lucide-pen-line size-5"}]}],["$","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"}],["$","p",null,{"className":"mt-1 text-sm text-navy-muted","children":"Redactamos guías y comparativas sobre tarjetas y finanzas personales en Chile, en lenguaje simple y sin tecnicismos bancarios. Revisamos cada artículo contra fuentes oficiales (SERNAC, CMF, bancos) y lo actualizamos cuando cambian las condiciones."}],["$","$L2",null,{"href":"/sobre-nosotros","className":"mt-2 inline-block text-sm font-medium text-amber hover:text-amber-hover","children":"Conoce al equipo →"}]]}]]}]}]
8:["$","p",null,{"className":"mt-6 text-sm text-navy-muted","children":["Fuente oficial:"," ",["$","a",null,{"href":"https://www.sernac.cl/portal/607/w3-propertyvalue-15049.html","target":"_blank","rel":"noopener noreferrer","className":"text-amber hover:text-amber-hover","children":"SERNAC – Crédito de consumo"}],". Este contenido es informativo y no constituye asesoría financiera. Ver"," ",["$","$L2",null,{"href":"/aviso-legal","className":"text-amber hover:text-amber-hover","children":"aviso legal"}],"."]}]
9:["$","script","script-0",{"src":"/_next/static/chunks/3e36yk19u3905.js","async":true}]
a:["$","$L2c",null,{"children":["$","$2d",null,{"name":"Next.MetadataOutlet","children":"$@2e"}]}]
d:["$","$1","h",{"children":[null,["$","$L2f",null,{"children":[["$","meta","0",{"charSet":"utf-8"}],["$","meta","1",{"name":"viewport","content":"width=device-width, initial-scale=1"}]]}],["$","div",null,{"hidden":true,"children":["$","$L30",null,{"children":["$","$2d",null,{"name":"Next.Metadata","children":[["$","title","0",{"children":"Diferencia entre repactar y consolidar una deuda | Tarjetas Chile"}],["$","meta","1",{"name":"description","content":"Repactar y consolidar suenan parecido, pero son estrategias distintas para manejar una deuda de tarjeta. Te explicamos cuándo conviene cada una."}],["$","link","2",{"rel":"canonical","href":"https://tarjetaschile.cl/repactar-vs-consolidar-deuda"}],["$","meta","3",{"property":"og:title","content":"Tarjetas Chile"}],["$","meta","4",{"property":"og:description","content":"Guías, comparativas y herramientas sobre tarjetas bancarias y finanzas personales en Chile, explicadas en lenguaje simple."}],["$","meta","5",{"property":"og:url","content":"https://tarjetaschile.cl"}],["$","meta","6",{"property":"og:site_name","content":"Tarjetas Chile"}],["$","meta","7",{"property":"og:locale","content":"es_CL"}],["$","meta","8",{"property":"og:image","content":"https://tarjetaschile.cl/images/og-default.png"}],["$","meta","9",{"property":"og:image:width","content":"1200"}],["$","meta","10",{"property":"og:image:height","content":"630"}],["$","meta","11",{"property":"og:image:alt","content":"Tarjetas Chile"}],["$","meta","12",{"property":"og:type","content":"website"}],["$","meta","13",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","14",{"name":"twitter:title","content":"Tarjetas Chile"}],["$","meta","15",{"name":"twitter:description","content":"Guías, comparativas y herramientas sobre tarjetas bancarias y finanzas personales en Chile, explicadas en lenguaje simple."}],["$","meta","16",{"name":"twitter:image","content":"https://tarjetaschile.cl/images/og-default.png"}],["$","link","17",{"rel":"icon","href":"/favicon.ico?favicon.2vob68tjqpejf.ico","sizes":"256x256","type":"image/x-icon"}],["$","link","18",{"rel":"icon","href":"/icon.png?icon.259wfxpvhyurt.png","sizes":"512x512","type":"image/png"}],["$","$L31","19",{}]]}]}]}],["$","meta",null,{"name":"next-size-adjust","content":""}]]}]
f:["$","$1","c",{"children":[null,["$","$L32",null,{"parallelRouterKey":"children","template":["$","$L33",null,{}]}]]}]
13:true
15:["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Simplificar varios pagos en uno solo"}]
16:["$","div","Ambas — efecto en el historial",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm sm:col-span-2","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Ambas — efecto en el historial"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Quedan registradas como renegociación, pero no dañan el historial si se cumplen"}]]}]
17:["$","h2",null,{"className":"text-2xl","children":"Ventajas y desventajas"}]
18:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Repactar — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Útil cuando tienes una sola deuda grande y necesitas cuotas más bajas o un plazo mayor.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Útil cuando tienes una sola deuda grande y necesitas cuotas más bajas o un plazo mayor."}]]}],["$","li","No requiere pedir un crédito nuevo en otra institución.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"No requiere pedir un crédito nuevo en otra institución."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Repactar — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Casi siempre implica pagar más intereses en total, al extender el plazo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"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"}],["$","span",null,{"children":"Casi siempre implica pagar más intereses en total, al extender el plazo."}]]}],["$","li","Puede afectar tu historial si no se maneja bien.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Puede afectar tu historial si no se maneja bien."}]]}]]}]]}]]}]
19:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Consolidar — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Simplifica varios pagos en uno solo, con una sola fecha de vencimiento.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Simplifica varios pagos en uno solo, con una sola fecha de vencimiento."}]]}],["$","li","Puede bajar la tasa total si la deuda original tenía intereses muy altos (como avances en efectivo).",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Puede bajar la tasa total si la deuda original tenía intereses muy altos (como avances en efectivo)."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Consolidar — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Requiere que te aprueben un crédito nuevo para consolidar, lo que exige evaluación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Requiere que te aprueben un crédito nuevo para consolidar, lo que exige evaluación."}]]}],["$","li","Si no cambias hábitos de gasto, puedes terminar generando deuda nueva además de la consolidada.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Si no cambias hábitos de gasto, puedes terminar generando deuda nueva además de la consolidada."}]]}]]}]]}]]}]
1a:["$","h2",null,{"className":"text-2xl","children":"Tabla comparativa"}]
1b:["$","div",null,{"className":"my-6","children":[["$","div",null,{"className":"overflow-x-auto rounded-xl border border-border border-t-4 border-t-header shadow-sm","children":["$","table",null,{"className":"comparison-table w-full min-w-[560px] border-collapse text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"children":[["$","th",null,{"children":"Aspecto"}],["$","th",null,{"children":"Repactar"}],["$","th",null,{"children":"Consolidar"}]]}]}],["$","tbody",null,{"children":[["$","tr",null,{"children":[["$","td",null,{"children":"Cuántas deudas involucra"}],["$","td",null,{"children":"Una deuda específica"}],["$","td",null,{"children":"Varias deudas juntas"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Con quién se hace"}],["$","td",null,{"children":"La misma institución de la deuda original"}],["$","td",null,{"children":"Puede ser una institución nueva"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Requiere evaluación nueva"}],["$","td",null,{"children":"A veces"}],["$","td",null,{"children":"Generalmente sí"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Objetivo principal"}],["$","td",null,{"children":"Cuotas más bajas o más plazo"}],["$","td",null,{"children":"Simplificar varios pagos en uno"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Riesgo principal"}],["$","td",null,{"children":"Pagar más interés total por plazo extendido"}],["$","td",null,{"children":"Generar deuda nueva si no cambian hábitos"}]]}]]}]]}]}],null,["$","p",null,{"className":"mt-1 text-xs text-navy-muted sm:hidden","children":"Desliza hacia el lado para ver toda la tabla →"}]]}]
1c:["$","$L14",null,{"title":"Consolidar en detalle: si tu caso es deuda en varias tarjetas","children":[["$","p",null,{"children":"Consolidar deudas significa tomar un nuevo crédito, generalmente de consumo, para pagar de una vez el saldo de todas tus tarjetas. A cambio, quedas con una sola cuota mensual y, si eliges bien, una tasa de interés más baja que la de tus tarjetas."}],["$","p",null,{"children":"El beneficio real depende de que la nueva tasa sea efectivamente menor y de que dejes de usar las tarjetas antiguas para nuevas compras mientras pagas el crédito consolidado."}]]}]
1d:["$","div",null,{"className":"my-8 rounded-xl border-2 border-gold bg-amber-soft p-6 shadow-md","children":[["$","span",null,{"className":"inline-block rounded-full bg-gold px-3 py-1 text-xs font-semibold tracking-wide text-ivory uppercase","children":"Veredicto"}],["$","div",null,{"className":"mt-3 grid gap-4","style":{"gridTemplateColumns":"repeat(2, minmax(0, 1fr))"},"children":[["$","div","Consolidar y dejar de usar las tarjetas antiguas",{"children":[["$","p",null,{"className":"font-medium text-navy","children":"Consolidar y dejar de usar las tarjetas antiguas"}],["$","p",null,{"className":"font-heading text-3xl font-semibold text-amber","children":["8.9",["$","span",null,{"className":"text-base font-normal text-navy-muted","children":"/10"}]]}]]}],["$","div","Consolidar y seguir gastando en las mismas tarjetas",{"children":[["$","p",null,{"className":"font-medium text-navy","children":"Consolidar y seguir gastando en las mismas tarjetas"}],["$","p",null,{"className":"font-heading text-3xl font-semibold text-amber","children":["3.2",["$","span",null,{"className":"text-base font-normal text-navy-muted","children":"/10"}]]}]]}]]}],["$","p",null,{"className":"mt-4 text-navy-soft","children":"Puntaje según qué tanto reduce realmente tu deuda total a mediano plazo."}]]}]
1e:["$","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"}],["$","p",null,{"className":"mt-2 text-navy-soft","children":"Pagabas el mínimo en tres tarjetas distintas, con fechas diferentes y tasas altas, sin ver el saldo bajar."}]]}],["$","$L3",null,{"iconNode":[["path",{"d":"M5 12h14","key":"1ays0h"}],["path",{"d":"m12 5 7 7-7 7","key":"xquz4c"}]],"className":"lucide-arrow-right mx-auto size-5 rotate-90 text-amber sm:rotate-0"}],["$","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":"Tienes una sola cuota mensual, con una tasa más baja y un plan claro de cuándo terminas de pagar."}]]}]]}]
1f:["$","h3",null,{"className":"text-xl","children":"Qué revisar antes de consolidar varias tarjetas"}]
20:["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","CAE",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"CAE"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Compara el costo real del nuevo crédito contra tus tasas actuales"}]]}],["$","div","Plazo",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Plazo"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Un plazo más largo baja la cuota pero puede subir el interés total"}]]}],["$","div","Tarjetas antiguas",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Tarjetas antiguas"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Considera cerrarlas o dejar de usarlas mientras pagas"}]]}],["$","div","Elegibilidad",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Elegibilidad"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Depende de tu historial y capacidad de pago actual"}]]}]]}]
21:["$","h3",null,{"className":"text-xl","children":"Cuándo conviene consolidar varias tarjetas"}]
22:["$","div",null,{"className":"my-6","children":[["$","div",null,{"className":"overflow-x-auto rounded-xl border border-border border-t-4 border-t-header shadow-sm","children":["$","table",null,{"className":"comparison-table w-full min-w-[560px] border-collapse text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"children":[["$","th",null,{"children":"Tu situación"}],["$","th",null,{"children":"Qué revisar"}]]}]}],["$","tbody",null,{"children":[["$","tr",null,{"children":[["$","td",null,{"children":"Tienes deuda en 3 o más tarjetas con tasas altas"}],["$","td",null,{"children":"Consolidar puede reducir el interés total si la tasa es menor"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Pierdes el control de fechas de pago"}],["$","td",null,{"children":"Una sola cuota mensual simplifica la gestión"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"No tienes disciplina para no usar tarjetas antiguas"}],["$","td",null,{"children":"Evalúa cerrarlas para evitar volver a endeudarte"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"El nuevo crédito tiene tasa similar o mayor"}],["$","td",null,{"children":"No conviene consolidar; no reduce tu costo real"}]]}]]}]]}]}],null,["$","p",null,{"className":"mt-1 text-xs text-navy-muted sm:hidden","children":"Desliza hacia el lado para ver toda la tabla →"}]]}]
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: "}],"consolidar sin cambiar tus hábitos de gasto puede dejarte peor: terminas pagando el crédito nuevo y volviendo a acumular deuda en las tarjetas que \"ya estaban en cero\"."]}]
24:["$","$L14",null,{"title":"Cómo evaluar cuál te conviene, paso a paso","children":["$","ol",null,{"className":"list-decimal space-y-3 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Lista todas tus deudas actuales"}],", con institución, monto, tasa y cuota mensual de cada una."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Si es una sola deuda grande"}],", contacta directamente a esa institución para evaluar una repactación."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Si son varias deudas dispersas"}],", compara ofertas de consolidación en distintas instituciones antes de decidir."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Calcula el costo total con cada opción"}],", no solo la cuota mensual."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Ajusta tu presupuesto mensual"}]," ","una vez tomada la decisión, para no volver a generar deuda nueva."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Haz seguimiento mensual de tu nuevo plan de pago"}],", para confirmar que se está cumpliendo como acordaste."]}]]}]}]
25:["$","$L14",null,{"title":"En qué casos conviene cada una","children":[["$","p",null,{"children":"Repacta si tienes una sola deuda concentrada en una institución y necesitas ajustar plazo o cuota sin buscar un crédito nuevo. Consolida si tienes deuda repartida en varias tarjetas o instituciones y prefieres simplificar en un solo pago mensual, especialmente si alguna de esas deudas tiene intereses altos como un avance en efectivo."}],["$","p",null,{"children":"La diferencia en el trámite viene de quién asume el riesgo: al repactar, la misma institución que ya te prestó el dinero simplemente reescribe las condiciones de una deuda que ya conoce, por eso a veces no exige una evaluación nueva completa. Al consolidar con una institución distinta, esa institución está asumiendo un riesgo que no conocía antes, así que necesita evaluarte de cero antes de prestarte el dinero para pagar tus otras deudas."}]]}]
26:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"ninguna de las dos opciones \"borra\" la deuda, ambas reorganizan cómo la pagas. Si el problema de fondo es que el gasto mensual supera el ingreso, repactar o consolidar sin ajustar hábitos suele ser solo una solución temporal."]}]
27:["$","h2",null,{"className":"text-2xl","children":"Errores comunes al repactar o consolidar"}]
28:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","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":[["$","li","Comparar el costo total de cada opción, no solo la cuota mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Comparar el costo total de cada opción, no solo la cuota mensual."}]]}],["$","li","Pedir las condiciones por escrito antes de aceptar.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Pedir las condiciones por escrito antes de aceptar."}]]}],["$","li","Ajustar tu presupuesto después de reorganizar la deuda.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ajustar tu presupuesto después de reorganizar la deuda."}]]}],["$","li","Priorizar la opción que realmente resuelve tu situación, no solo la más rápida de conseguir.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Priorizar la opción que realmente resuelve tu situación, no solo la más rápida de conseguir."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Lo que conviene evitar"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Aceptar una repactación o consolidación sin comparar el costo total en el tiempo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Aceptar una repactación o consolidación sin comparar el costo total en el tiempo."}]]}],["$","li","Seguir usando las tarjetas originales con el mismo nivel de gasto después de consolidar.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Seguir usando las tarjetas originales con el mismo nivel de gasto después de consolidar."}]]}],["$","li","Consolidar con una institución que no conoces bien sin revisar su reputación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Consolidar con una institución que no conoces bien sin revisar su reputación."}]]}],["$","li","Repetir el proceso varias veces sin resolver la causa de fondo del sobreendeudamiento.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$18:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Repetir el proceso varias veces sin resolver la causa de fondo del sobreendeudamiento."}]]}]]}]]}]]}]
29:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
2a:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Cuál afecta más mi historial crediticio?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuál afecta más mi historial crediticio?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Ambas pueden quedar registradas como una renegociación; lo que más daña el historial es no pagar, no el hecho de repactar o consolidar a tiempo."}]]}],["$","details","¿Puedo repactar y luego consolidar?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo repactar y luego consolidar?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, dependiendo de tu situación, aunque lo ideal es planificarlo con una sola estrategia clara desde el principio."}]]}],["$","details","¿Cuál conviene si tengo una sola tarjeta con deuda alta?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuál conviene si tengo una sola tarjeta con deuda alta?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Generalmente repactar directamente con esa institución es el camino más simple."}]]}],["$","details","¿La consolidación siempre baja la tasa de interés?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La consolidación siempre baja la tasa de interés?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No siempre, depende de la tasa original de tus deudas versus la del crédito de consolidación; compáralas antes de decidir."}]]}],["$","details","¿Qué tipo de crédito se usa para consolidar?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué tipo de crédito se usa para consolidar?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Generalmente un crédito de consumo, aunque las condiciones varían según el banco y tu perfil."}]]}],["$","details","¿Puedo consolidar con mal historial crediticio?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo consolidar con mal historial crediticio?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Es más difícil que te aprueben, y las condiciones ofrecidas suelen ser menos favorables."}]]}],["$","details","¿Qué pasa si no me aprueban la consolidación?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué pasa si no me aprueban la consolidación?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"En ese caso, repactar directamente con cada institución por separado suele ser la alternativa más viable."}]]}],["$","details","¿Puedo cerrar las tarjetas originales después de consolidar?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo cerrar las tarjetas originales después de consolidar?"}],"$L34"]}]]}]
2b:["$","$L14",null,{"title":"Conclusión","children":[["$","p",null,{"children":"Repacta cuando tienes una sola deuda puntual y necesitas ajustar el plazo o la cuota. Consolida cuando tienes varias deudas dispersas y quieres simplificarlas en un solo pago. En ambos casos, el paso más importante después es ajustar el gasto mensual para no volver a acumular deuda nueva."}],["$","p",null,{"children":["Revisa también qué hacer si necesitas tramitar una tarjeta"," ",["$","$L2",null,{"href":"/tarjeta-en-dicom","className":"text-amber hover:text-amber-hover","children":"estando en DICOM"}]," ","mientras regularizas."]}],["$","p",null,{"children":["Una vez que termines de pagar, prueba nuestro"," ",["$","$L2",null,{"href":"/simulador-ahorro-compuesto","className":"text-amber hover:text-amber-hover","children":"simulador de ahorro con interés compuesto"}]," ","para proyectar un fondo que te evite volver a necesitar repactar o consolidar en el futuro."]}]]}]
2e:null
c:300
34:["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Depende de tu situación; algunas personas prefieren mantenerlas cerradas para evitar volver a endeudarse, aunque cerrar tarjetas puede afectar tu historial."}]
c:C
12:0
e:"$undefined"
10:"$undefined"
b:"$undefined"