Clipping of news on Brazilian Culture, Law and Citizenship
01/07/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Luciana managed to get enough miles on the card to buy two airline tickets to Buenos Aires. Photo: Disclosure
Experts teach you spend bonuses from loyalty programs without losses. For this the consumer should research well before buying
A growing consumer demand for hiring of points associated with bank credit, airlines or telecom operators, and other card programs. The reasons are the benefits that the accumulation of punctuation can generate, even if they are converted in the purchase of any product or service. But in some cases, behind this change are high interest rates, and the acquisition of some good or trip a value far below that obtained by normal means of buying and selling, as experts warn.
To the economist, Gisele Kobayashi, CK Financial Solutions and Training, the best use of a points program with the credit card, for example, when it is not used simply for the purpose of gathering points. The only downside she sees in rewards points is that due to the comfort and practicality to accumulate points in a given company, the consumer ends up not researching prices on competitors.
"The program is a bonus. Prizes or exchange products should not be seen as a goal, but as a treat for the use of the card. Programs where points do not expire are ideal. Most of them are shared between them, ie the points of the credit card can be exchanged for miles and vice versa. Worth a look for those, more flexible, "says Gisele.
The expert accountant and a graduate degree in Business Management Economist, Alex Paul Cunhe Meirelles says that the airline industry there are essentially two programs: Smiles and Multiplus.
"Be aware of redemption terms, conditions like minimum score and amounts charged for rescue. Regarding credit cards that have this benefit, it is for the user to be aware of the annuity rates charged on the cards. The higher the benefit, the greater the value of the annuity, for example, every £ 1 that is sometimes converted to the dollar - worn, you can earn 1 point 2 up depending on your credit card. One must also be aware of the costs to achieve the standards required by the program values, to avoid an imbalance in the budget, "he says.
No problems - A businesswoman Luciana Rocha, 49, a resident of charitas, usually regularly monitor their accumulated points on your credit card and managed to get enough miles to buy two roundtrip tickets Gol, Buenos Aires, Argentina , where he spent 10 days on vacation in July last year, with her daughter, Rebecca Rocha, 22. But for that, she needed to plan ahead.
"I made the transfer procedures and purchase of tickets about 30 days before the trip. Will accumulate points, but can only transfer every 20 thousand. I have no use less than that, I can not do anything in an airline. I usually do everything by phone. I turn, I see my balance and do the procedure without problems. I think it's a super advantage because everyone makes use of the credit card to buy things. Ie, these points accumulate naturally, "says Luciana.
Care - Who hires a loyalty program should read carefully the terms and conditions of tender and contract of adhesion, as these lead to lawyers and Sylvia Rosario Dionysio Day, members of the office Dionysio Advocacy Day. Questions regarding the contract should be clarified by the communication channels of the company.
"By converting individual points of business programs for the networks, you need to stay alert, because there is no standard among the bonus. The score depends on the design of each company and therefore it is important previously inform themselves on the table parity to exchange points for merchandise, services or miles of airfare. At the time of redemption of points one should keep all documents generated in the process, "he clarifies.
Another fact that deserves attention must be seen even before the redemption of points. As indicated Zacarella Peterson, Attorney at Law Firm and Lorena, the consumer should be careful to check every purchase made, the corresponding points have been inserted in their loyalty program.
"When the redemption the customer must verify that the premium reached corresponds to the average market value, therefore, are not rare cases where the value of the prize awarded is overrated. In such cases, the client should ask for clarification, "he warns.
No express points to the validity of a rule exists, according to Marcelo Camello, a lawyer associated with the office and Camello Coppos lawyers, but there is the principle of fairness that should govern any legal relationship.
"If certain company decides to offer a points program to its customers, it must allow a reasonable time limit for which are accumulated and spending those points. Shorter deadline may be characterized as bad faith of the companies and thus be subject to judicial intervention, "he concludes.
Source: Fluminense
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This article was translated by an automatic translation system, and was therefore not reviewed by people.