{"id":12655,"date":"2026-06-10T10:32:58","date_gmt":"2026-06-10T14:32:58","guid":{"rendered":"https:\/\/creditotal-dev.key-core.com\/politicas-de-pago-y-mora\/"},"modified":"2026-06-10T10:32:58","modified_gmt":"2026-06-10T14:32:58","slug":"politicas-de-pago-y-mora","status":"publish","type":"page","link":"https:\/\/xtrategik.com\/creditotal\/politicas-de-pago-y-mora\/","title":{"rendered":"Pol\u00edticas de Pago y Mora"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12655\" class=\"elementor elementor-12655\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f23da5 elementor-section-full_width elementor-section-height-default elementor-section-height-default mas-addons-sticky-no\" data-id=\"3f23da5\" data-element_type=\"section\" data-e-type=\"section\" id=\"mora-banner\" data-settings=\"{&quot;mas_addons_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-07be65b\" data-id=\"07be65b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03b565c mas-addons-sticky-no elementor-widget elementor-widget-heading\" data-id=\"03b565c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mora-banner-title\" data-settings=\"{&quot;mas_addons_sticky&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pol\u00edticas de Pago y Mora<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4076ef3 elementor-section-boxed elementor-section-height-default elementor-section-height-default mas-addons-sticky-no\" data-id=\"4076ef3\" data-element_type=\"section\" data-e-type=\"section\" id=\"mora-content\" data-settings=\"{&quot;mas_addons_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-889f362\" data-id=\"889f362\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f469a8d mas-addons-sticky-no elementor-widget elementor-widget-text-editor\" data-id=\"f469a8d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mora-doc\" data-settings=\"{&quot;mas_addons_sticky&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"mora-callout\">\r\n<img decoding=\"async\" class=\"mora-ico\" src=\"https:\/\/xtrategik.com\/creditotal\/wp-content\/themes\/xmoze-child\/assets\/img\/mora\/icono-atraso.svg\" alt=\"\" aria-hidden=\"true\">\r\n<div class=\"mora-callout-body\">\r\n<h2>\u00bfQu\u00e9 sucede si me atraso en el pago de mis cuotas?<\/h2>\r\n<p>Si no pagas tu cuota el d\u00eda del vencimiento, tu cr\u00e9dito caer\u00e1 en morosidad, lo que provocar\u00e1 la inactivaci\u00f3n tu cupo. Esto significa que no podr\u00e1s realizar nuevas compras aun cuando tengas cupo disponible para hacerlo.<\/p>\r\n<p>Adicionalmente a partir del 4to d\u00eda de mora, se aplicar\u00e1 una penalizaci\u00f3n por el incumplimiento de nuestras pol\u00edticas de pago:<\/p>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"mora-table\">\r\n<div class=\"mora-table-title\">Tabla de Penalizaciones<\/div>\r\n<table>\r\n<thead>\r\n<tr><th>D\u00edas de Mora<\/th><th>Monto de la Penalidad<\/th><\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr><td>Desde 4 d\u00edas hasta 45 d\u00edas de mora<\/td><td>3$ por cuota<\/td><\/tr>\r\n<tr><td>Desde 46 d\u00edas en adelante<\/td><td>4$ por cuota<\/td><\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n\r\n<div class=\"mora-note\">\r\n<img decoding=\"async\" class=\"mora-ico\" src=\"https:\/\/xtrategik.com\/creditotal\/wp-content\/themes\/xmoze-child\/assets\/img\/mora\/icono-importante.svg\" alt=\"\" aria-hidden=\"true\">\r\n<p><strong>Importante:<\/strong> Esta penalidad no genera intereses.<br>Estas condiciones fueron aprobadas por ti cuando te registraste, en el momento en que aceptaste los t\u00e9rminos y condiciones.<\/p>\r\n<\/div>\r\n\r\n<div class=\"mora-react-band\">\r\n<div class=\"mora-react\">\r\n<div class=\"mora-react-media\">\r\n<img decoding=\"async\" src=\"https:\/\/xtrategik.com\/creditotal\/wp-content\/themes\/xmoze-child\/assets\/img\/mora\/reactivacion-6439b4.webp\" alt=\"Reactivaci\u00f3n del cupo\">\r\n<\/div>\r\n<div class=\"mora-react-text\">\r\n<h2><span class=\"cy\">Reactivaci\u00f3n<\/span> del Cupo.<\/h2>\r\n<div class=\"react-case\">\r\n<h3>Caso cliente inactivo por mora<br><span class=\"cy\">menor a 60 d\u00edas.<\/span><\/h3>\r\n<p>Para activar tu cupo, deber\u00e1s pagar la deuda completa, as\u00ed como las penalidades que se hayan generado debido a tu incumplimiento de las pol\u00edticas de pago.<\/p>\r\n<\/div>\r\n<div class=\"react-case\">\r\n<h3>Caso cliente inactivo por mora<br><span class=\"cy\">mayor a 60 d\u00edas.<\/span><\/h3>\r\n<p>Por los momentos tu cr\u00e9dito permanecer\u00e1 inactivo debido al atraso presentado en el pago de tus cuotas. Pr\u00f3ximamente, el \u00e1rea de riesgo evaluar\u00e1 la activaci\u00f3n de tu cupo y te notificaremos a trav\u00e9s de un mensaje.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 sucede si me atraso en el pago de mis cuotas? Si no pagas tu cuota el d\u00eda del vencimiento, tu cr\u00e9dito caer\u00e1 en morosidad, lo que provocar\u00e1 la inactivaci\u00f3n tu cupo. Esto significa que no podr\u00e1s realizar nuevas compras aun cuando tengas cupo disponible para hacerlo. Adicionalmente a partir del 4to d\u00eda de mora, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-12655","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/pages\/12655","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/comments?post=12655"}],"version-history":[{"count":0,"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/pages\/12655\/revisions"}],"wp:attachment":[{"href":"https:\/\/xtrategik.com\/creditotal\/wp-json\/wp\/v2\/media?parent=12655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}