Clipping of news on Brazilian Culture, Law and Citizenship
07/06/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Experts give tips to avoid falling into the trap of paying the minimum invoice
In short money times, consumers should redouble care with the credit card and especially avoid using the rotary, or flee the minimum payment of the invoice. The goal is not to fall in the interest of the clutches of this type that reach 450% per year or 15.3% per month on average.
Experts warn that, when used with discipline, the card can be a great ally in financeiro.Mas planning if there is no control result in unbalanced accounts. One of the tips to escape the rotary is to seek personal loan, which now has rate from 4% to 6% per month. monthly survey of the National Confederation of Commerce (CNC) in May, shows that credit card debt is responsible for 77% of respondents.
The financial Alexandre Prado educator believes that there are several ways for the consumer to pay the invoice of the card without resorting to revolving credit. "Optionally, consumers if they need or want, can hire credit lines to individuals that the major banks offer, paying much less," guides. "But they are still high rates, only infinitely more favorable than those prevailing on the revolving credit credit card," he points out.
LIMITS
In addition to escape the minimum payment of the card bill, the expert recommends that consumers will not be misled by the credit limits that banks give the card, which are often incompatible with income and much higher than the customer's own salary .
The expert indicates, moreover, to avoid having more than two cards. Not piecemeal made accounts is also another indication that Prado does for the customer is not "hanging" at the end of the month and having to choose to pay the minimum invoice.
Prado also states that the consumer must create the good habit to check the credit card bill. According to him, there is no excuse to take scares. Customers have to check the transactions on credit, through applications or by internet banking.
Mode may end
Before the default picture caused by the rotating, credit card users are at risk of not having the option to pay the minimum invoice every month. This is because operators want to end the mode to prevent customers quitem the lowest value. Experts estimate that the measure may benefit consumers if the interest is below the personal loan, ranging from 4% to 6% per month.
Myrian Lund, professor of MBA's Getulio Vargas Foundation (FGV), warns, however, that the interest rate is above the personal credit is not worth it for the consumer. "The installment option that credit card offers is lower than the revolving interest, but is still much higher than the personal credit," he says.
For the economist Gilberto Braga, operators want to end the rotary to contain default. The Erica Patricia Miranda receptionist, 20, is concerned the end of the rotation. "Almost never spare money to pay the whole bill. Paid the least, but paid, "he says.
Source: The Day
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This article was translated by an automatic translation system, and was therefore not reviewed by people.