Clipping of news on Brazilian Culture, Law and Citizenship
03.09.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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76% of defaulters have dirty name by overdue debts to banks.
Cards and overdrafts are also villains of default, says SPC.
Seven out of ten consumers are defaulting a bad name because of late payment of debts with banks, according to a survey done by the Credit Protection Service (SPC Brazil) and the National Confederation of Shopkeepers (CNDL). The percentage (76%) is higher than the 68% reported in 2014.
The store and credit cards appear then as the types of credit that have generated more defaults by consumers, with 75% and 74%, respectively.
But if the debts with the banks are getting outstanding, the health plan and the rent are in day: research shows that 94% of defaulters have disputes with the health plan and in the case of rent, the participation of those who have the account days reaches 92%.
Other commitments that default usually pay days are mostly water and electricity bills (85%) and condominium plots (79%).
Villains
In addition to loans and cards, overdraft is also featured as one of the villains of default: delinquent consumers who own this debt, 67% attribute to him that they have been a bad name - last year the rate was 43%. Since the installments to be paid in post-dated checks, tickets and booklets were among the causes of default to 59% of consumers surveyed in 2015.
"In this time of crisis it is important that consumers have some caution when purchasing new debt. Especially if the debts are credit card or overdraft, as the interest charged on these types of credit are the highest in the market , reaching in some cases over 300% per year, "says in a statement the financial educator portal 'My Pocket Happy', the SPC Brazil, José Vignoli.
Source: G1
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This article was translated by an automatic translation system, and was therefore not reviewed by people.