Credit default facilitated raises
This article was translated by an automatic translation system, and was therefore not reviewed by people.
The scene is tempting to the eyes. Imagine buying a product can fragmented into up to 10 times without interest. But what may be the fulfillment of a dream into a nightmare at first may turn to the default.
According to the Brazilian Institute for Study and Defense of the Consumer Relations (Ibedec), one in every three users of credit card is due to more than 90 days, according to data provided by the Central Bank (BC).
According to the President of Ibedec, José Geraldo Tardin, the credit card company is facilitating the issuing of cards and grant limits for the consumer.
"A person just getting cards from other banks, getting a credit limit many times greater than their ability to pay. This conduct and unbridled consumerism generate this table hopeless, "he says.
The economist and technical supervisor of the Department of Statistics and Inter Socioeconomic Studies (Dieese), Cid Lamb says the default is related primarily to employment and income of consumers.
"It so happens that people do not have a family planning budget and not rely on an unexpected, such as illness or job loss. That leads to default and its consequences, "says.
Lamb warns that the consumer is always aware of the conditions to buy the term. "The credit check and are particularly important for the economy. But the warning is always to see how much interest is embedded and if the time is propitious for purchase. Sometimes it is better to wait a little longer before you spend, "indicates.
The economist also said that if the person is delinquent, the trick is to negotiate with the creditor, the debt renegotiation and, as is, exchanging one debt for another. "In this case, the person may seek a loan with lower interest rates to remove the debt earlier."
Source: Paraná Online
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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