Clipping of news on Brazilian Culture, Law and Citizenship
06/10/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Source: G1
7 out of 10 consumers evaluate positively the card says SPC. Fee for individual again reached the highest level since 1995.
A study by the Credit Protection Service (SPC Brazil) and the National Confederation of Shopkeepers (CNDL), released on Thursday (9), pointed out that 54.7% of credit card users are unaware of the interest charged when there is delay in payment of the bill.
And the collection can be high. The interest rate on a credit card for individuals again reached the highest level since 1995, to 15.12% per month and 441.76% per year, according to the National Association of Executives in Finance, Administration and Accounting (Anefac) .
More than a quarter (26.5%) of these consumers did not analyze the rates that are charged to operations to acquire the credit card. Most uninformed is aged between 18 and 34 years (61.6%).
The survey also showed that the installment is a common feature among those who use credit cards - 69% of them parcelam their purchases at least once a month. On average, respondents claim to have four card installments are paid off.
Seven in ten (76.2%) consumers evaluate credit card as something positive in their lives. Almost half (47%) of the users of this form of payment, however, does not perform an effective control of the purchases that are made on the card, either by only confer the invoice - without analyzing it in fact - or because they control only head without any rigor or systematic control.
Marcela Kawauti, chief economist at SPC Brazil, the care of the card spending must be constant.
"It is essential to monitor the invoice card throughout the month and not only when you are already closed, because there will be too late to assess whether the costs were excessive," he said.
Source: Idec
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This article was translated by an automatic translation system, and was therefore not reviewed by people.