Clipping of news on Brazilian Culture, Law and Citizenship
04/09/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Class has acquired more credit cards , shows SERASA
The increased number of people with formal employment impacted the credit card market in recent years, according to a study by Serasa Experian . Adults with average of thirty years and average monthly income of R $ 1,428.78 drove the increased demand for credit cards in 2013 . The group , which accounted for 12 % of Brazilian consumers credit cards last year , representing 16 % of the total current .
According to Professionals, the largest demand for new credit cards , 26 % of the total, remains occupied by adults 20-30 years with low income and jobs that require little skill or even informal . The survey classified as low-income consumers who receive even a minimum wage ( R $ 678 ) .
The data indicate an increase of membership and participation in class E , whose representation increased from 6.2% in 2009 to 16.8 % in 2013 , a process increasing every year .
The study also shows that 78 % of consumers seeking credit or services in more than one institution . According to Professionals, this factor is combined with the increase in membership in the class E , alert to the possibility of future indebtedness and default if there is no financial planning . Also according to the Professionals, this risk needs to be adequately monitored , as these new customers usually do not have experience in the credit market .
To reach these conclusions , the research used information from a million SSNs and made comparisons between the first quarters of 2009 and 2013.
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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.