Clipping of news on Brazilian Culture, Law and Citizenship
07/04/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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In the hands of impulsive or compulsive people, especially in enticing commercial environments, the credit card is 'a corpse that smiles at us'
The day
In addition to the savings account (column theme in the issue of June 19), another unconditional passion of Brazil's credit card - a piece of chipped and hologramado plastic, which should be kept out of reach of "adults", locked together the scissors, pliers, knives and other sharp objects. In the hands of impulsive or compulsive people, especially in enticing commercial environments, the credit card is "a corpse that smiles at us." The behemoth charges interest that can reach 500% per year, in case of debit balance funded system known as "rotating".
Wiping AND INCREASING ICE
The fatal error of those who have this weapon, with or without legal size, is going to use the available credit limit as if it were part of personal income or family budget. Another real danger, in addition to delaying the payment, pay monthly only the minimum amount of the bill - something like dry ice, but instead of seeing the block melt and decrease gradually, you see the block to swell and grow without stopping and without pity.
Remember that, in case of need, there are other forms of financing, cheaper and less dangerous. One is the payroll, with payroll deductions, usually offered to servers and retirees or pensioners. Since the risk of default or default is almost zero, payroll of interest are among the lowest in the market. Who is not a public official or inactive employee can ask for help in the family who falls into one of these conditions - but please, while honoring the commitment to keep clean the name of Dad or Grandma.
Another mode with fees or rates more into account is the pledge or box micropenhor suitable for short or medium term urgencies. For emergencies for small amounts, there are banks dedicated exclusively to microfinance, offering relief from R $ 50. You can also get cheap money in cooperative or financial assistance funds. In general, just be associate or employee of a group company, professional advice or class entities, bond or agreement with these institutions - which have profit, but not destructive.
Source: The Day
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This article was translated by an automatic translation system, and was therefore not reviewed by people.