Consumer should be careful when taking credit for the web or at ATMs
This article was translated by an automatic translation system, and was therefore not reviewed by people.
By: Gladys Magalhães Ferraz
SAO PAULO - Despite the convenience, the consumer should be careful when taking credit through the Internet or in self-service terminals. The alert is of IDEC (Brazilian Institute for Consumer Protection).
According to research conducted by the institution, much of banks operating in the country offers credit for financial transactions over the Internet and puts the option of withdrawal or loan installments in evidence in the options menu of electronic terminals.
However, it said, the offers do not come together with a service contract, which violates Article 49 of the CDC (Code Consumer), explains the economist Idec and research coordinator, Ione de Amorim.
"As there is no contract, the consumer is induced to purchase credit without knowing the conditions. The advertising could be replaced with safety tips," he says.
DOC
The lifting of the Institute, noted that the internet banking service and self-service terminals of the ten largest banks in Brazil, also found that half of them do not offer the option DOC / TED ATMs for its customers, although the operation appears on the tables of services billed.
As Idec, not offering the service in terminals requires the consumer to spend more, since the cost of such service in the booths is on average R$ 15, and in boxes or on the Internet, from R$ 8.
Numbers
According to the Institute, as reported in Febraban (Brazilian Federation of Banks), banking transactions over the Web jumped from 8.5 million in 2000 to 32.5 million in 2008, representing 18% of total operations.
The services at the mouth of the box, which for some time amounted to more than 20% of drives today account for only 10%. With regard to self-service terminals, the 170,245 ATMs in the country include a third of all banking transactions.
In order for consumers to protect against fraud or scams, Idec gives the following tips:
Avoid using electronic terminals in desert places, especially at night;
Look occupy, as the body, the space in front of the terminal, preventing their transactions are observed;
Keep the card in a safe place and not leave the password next to him. If possible, memorize the numbers and letters.
Never accept help from strangers and only ask for information to officials of the bank;
Before using the electronic terminal, make sure it is working and there is nothing strange in the place where you put the card;
If the terminal does not complete a transaction, make sure that the transaction was closed and contact the SAC immediately
Internet banking
Do not access the Internet banking from public computers such as Internet cafes or in universities;
Follow the guidelines set by banks for installation of safety devices and navigation;
Keep the cards or electronic signature key access and safe place, preferably away from credit card or debit card;
Do not open e-mails requesting re-registration by means of links and pages falsified.
Source: InfoMoney
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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