Comercio

Carta de Crédito (LC)

Resumen

Garantía de pago emitida por banco, comúnmente usada en comercio internacional para proteger al comprador y vendedor.

Explicación Detallada

A Letter of Credit (LC) is a payment mechanism where the buyer's bank guarantees payment to the seller once specific documentation is produced (typically the Bill of Lading plus the commercial invoice). Common for large orders ($500K+) where both parties want security. Sight LC pays immediately upon document verification; usance LC (30/60/90 days) adds buyer credit period. Typical bank fees: 1-2% of invoice value. Alternative: TT (Telegraphic Transfer) — direct wire transfer, faster but less secure for large unknown counterparties.

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