Overview

• Unpaid statements accrue compensatory interest, and failure to cover the minimum adds punitive interest, with market examples showing a 90.15% TNA and a 109.08% CFTNA for financing at BBVA.
• Banks begin with calls and formal notices, block or cancel the card, may attempt debits from other accounts at the same bank, and file negative reports to Veraz or Nosis that can remain for up to five years.
• Law 25.065 voids clauses allowing direct executive enforcement, so lenders must submit the contract and account statements to a judge to have the debt legally recognized before pursuing seizure.
• After a court order, embargoes can reach wages above the protected minimum, with the Salario Mínimo, Vital y Móvil at ARS 322,200 for full-time workers in October 2025.
• Prescription limits are short—one year for executive action and three for ordinary claims—and any formal notice or partial payment resets the clock, while card delinquency rose from 1.6% in November 2024 to 2.9% in April 2025.