Tarjeta de crédito: cómo dar de baja el plástico si hay deuda pendiente y saldar después los pagos con el banco

The current regulation allows you to cancel a credit card at any time, even if there's a pending balance, and settle those debts later with the bank. This flexibility means consumers no longer face penalties for closing their card early. This change is significant as it empowers users to manage their finances more effectively without worrying about immediate cancellation fees. It reflects a broader trend towards more consumer-friendly financial policies.