Debts

Default with booklets is already higher than with credit cards

02/17/2014

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The seller Seyna Duarte , 42 , prefers the credit card , but the booklet does ompras Photo: Freelancer / Pauty Araújo

A sofa, a television, a stereo : these are consumable items responsible for the highest default rates in the country for some time , according to Boa Vista Services , Administrator of the Central Protection Service (SCPC ) . What is changing in recent months is how consumers ( not) pay for their goods. A survey released in late January reveals that the debts with booklets are already higher than those acquired with the credit card .

According to the data , taking into account figures for December , the booklet appeared as payment in 31% of cases of bad name . The card came close behind with 25 % , followed by checks ( 17 % ) , personal loan ( 12 % ) , store cards ( 8 % ) and overdraft ( 6 % ) .

At the origin of the change can be difficult to get credit in the banks , or even a greater awareness of the invoice of the card , if not well managed, can become a priceless debt with exorbitant interest .
- When there is a credit crunch , retailers use plus booklets . I believe there was a more cautious consumer with the card , because of higher interest rates , and a change in the means of payment - explains economist of Boa Vista Services , Flávio Calefe .

In practice , the lack of planning eventually leads consumers into debt. The standalone selling Seyna Duarte , 42 , prefers to buy with the card , but when it reaches the limit of plastic money , she turns to the shops booklets of installment plans :

- I see no advantage in the booklet , but I use when I want something badly enough .
The stereo that Seyna bought cost R $ 1,690 in cash . 16 times , left for R $ 2,980 , 76 % more expensive .

less momentum

Will pay like ? The question of the vendors should be the first warning sign for consumers . Choose between the booklet and the credit card should not be an impulse decision , but the result of a personal planning.

The economist Flavio Calefe , Boa Vista , suggests that the card is only used when the consumer is assured that the money will have to pay the amount of the next bill.
- The card requires credit approval at the time of purchase, and the plots can be financed by the same amount that the view of making this payment method is most advantageous Calefe - believe .

The finance consultant Marcelo Maron stresses that it is important to question the sellers : the price of the television will be divided into 12 equal times ? Is there any other built- rate ?

According to Maron , stores charge an average interest rate of 3 % to 3.5 % per month when parcelam in booklets . On the other hand, the revolving credit card reaches 10 % per month


Source : Extra - Online

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