Clipping of news on Brazilian Culture, Law and Citizenship
21/01/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Marcos HIlton Chaves Cardoso with her mother Dona Beth: no installments Photo: Guilherme Pinto / The Globe
The Cardoso family used to play all the accounts in two credit cards bank Santander: a flag Visa, another of MasterCard. The limit of most of them used, which began in R$ 600 in 2006, now is R$ 7500-1150% or 12.5 times greater. The problem is that the increased income of the 3rd Marine Sergeant Mark Chaves Hilton Cardoso, 36, was much smaller than that in the period:
- I was all there: the snack street to the grocery store, the clothes for the family, fuel the car ... As he had no control, and never gave the money for a long time, we only paid the minimum amount of the invoice, to keep the card active and continue shopping, shopping ...
Economist Fernando de Holanda Barbosa Filho, Fundação Getulio Vargas (FGV), warns:
- If you do not have the discipline to pay the total invoice value of the card, it is better not to have it.
A real unpaid at the beginning of the year turned into $ 4 after 12 months, and the snowball of debt only grew. Hilton resorted to various loans with her mother, Mrs. Beth, 65, owner of a small manufacturing of uniforms, to cover the bills.
- Had he arrived in this situation because he lost his job or a health problem, I would have helped even more. But they got that way because they are not controlled. Now, I think he has learned and will be able to organize. He returned to stay cheerful again - is buzzing owner Beth.
Hilton and his wife, Andrea, 32, are well disciplined. Since early 2012, went to save the proof of purchase and, every day 5, religiously, quitam the ticket in full.
- Today, we know how much we spend and we benefit from the advantages. In November, we went to Brasilia aircraft, visit friends, using the miles accumulated by payments on time - boasts Andreia.
Source: Extra - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.