Clipping of news on Brazilian Culture, Law and Citizenship
07/01/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
The basic cards have annual fees lower, as determined by the Central Bank Photo: Archive
Airline tickets, movie tickets, claims for payment of invoices and products ranging from cookware to end mobile. Are numerous giveaways for those who participates in points programs from credit cards. But enter the "world of advantages" can turn a great disadvantage, depending on the consumption profile of the customer.
A survey by EXTRA shows that, for anyone who uses the so-called entry cards market - those simple, usually just for spending within Brazil - the value of the annuity can triple only because the model chosen to be part of the programs bonus.
That's because, since 2011, the Central Bank (BC) requires all institutions offer a choice of base card, which can not be linked to benefits for points and must have the annuity cheaper than the other models. In general, these cards cost customers between R$ 42 and R$ 52 per year, while the annuity that allow accumulation of points to redeem for gifts ranging from R$ 70 to R$ 130.
The largest difference was found in Bradesco. While the Visa National Standard - basics Bank - leaves £ 42 per year, the National Visa option costs 200% more, £ 126, exactly triple the amount. The difference between the two models, however, is that the most expensive part of the Bonus Club, which allows you to exchange for prizes every three months, as the amount spent by the holder.
- Banks are required to provide the basic card, but this is not always done willingly. In general, try to push the more expensive options. For some people, it's worth it, for others it does not - says the finance professor Ibmec Gilberto Braga: - The usual volume of spending is most important to analyze the customer in choosing the card. To achieve this, in fact, enjoy the bonus, you must have an accumulation of points too high, that not everyone can attain.
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Source: Extra - online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.