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last mo.

Indecopi Confirms S/34,210 Fine Against BCP Over Unpaid Credit-Card Cashback

The Arequipa regional commission found the bank violated Peru’s consumer code by failing to credit a promised 1% monthly refund.

Indecopi impone multa de más de S/34.000 al BCP por incumplir promoción en tarjeta de crédito a cliente
El BCP señaló que este beneficio formaba parte de una campaña promocional temporal y que, además, estaba limitado a cierto tipo de consumos; sin embargo, no logró sustentar tales argumentaciones. Foto: GEC.
Indecopi sanciona al BCP por no cumplir con devolución de “cash back” ofrecida en tarjeta de crédito. Foto: Indecopi.

Overview

  • The second-instance ruling by Indecopi’s Arequipa commission upholds the ORPS first-instance sanction against BCP.
  • The case involves a Visa Clásica Masiva card that offered a 1% monthly refund on purchases that was not credited to the user.
  • BCP claimed the cashback was a temporary, limited promotion, yet it failed to provide evidence supporting those restrictions.
  • The total penalty is 6.22 UIT (S/34,210): 2.44 UIT for not substantiating promotional limits and 3.78 UIT for changing access conditions without consent.
  • Indecopi cited breaches of Article 19 (duty of suitability) and Article 56.1(c) (ban on unilateral modifications), formalized in Final Resolution No. 0014-2026/Indecopi-AQP, which is publicly accessible.