The more credit, the more loan, the more money you have in your pocket! Do you agree with this? If you agree you should probably be caught by the virtual money syndrome. In Brazil having money is not difficult, the harder it is to earn the money. Usually we have to sweat a lot of the shirt and spend many hours every day in the office, in the store or home in the home office to conquer something valuable and relevant in our lives.
How good it is to have credit available to do what you want, any time you want, any way you want, it does not! If you answered no, you’re lying. Have credit limit, special check, clean name on the square, cards and more credit cards to buy the new Iphone 5 or the Galaxi SIII, pay the bill in the bar, spend in the mall, install shoes, brand clothes, travel all the long weekends without any fault with the galera or the girlfriend, what a marvel! There is nothing better than that. There, we must not forget to mention an item that women love, the cards of the Magazines C & A, Renner and Riachuelo, a hand in the wheel to consume in installments. What’s the problem?
You have a lot of money credit and did not know, let’s look at an example of personal loans and financing that most economically active people are committed to.
Most Brazilians have at least 3 credit cards for more, value of the average limit R $ 750 reais, so that you have so much card? Reason, if you finish the limit of one, use the other and so on until you burst them all. Everyone thinks that credit card is pocket money or wallet, that can spend until exhausted? Will be!
If you work, have an account, or opened a bank account, you’ve already earned a pre-approved credit limit bonus of at least $ 400, that depends on your salary, of course! The limit can reach incredibly high numbers. In addition to the limit, a debit and credit card with an amount available for you to make your purchases and go to the supermarket. Very cool.
Pre-approved personal loan
If you have a bank account you know what pre-approved loan is, you’ve seen that pop up (notice) that opens on the screen every time you enter Home Banking to see the bank balance. This warning insists on telling you that you have money available to pick up. The pre-approved loan is interesting, you have already tried to decrease the number of installments in the system, it is almost impossible, usually the bank places installments above 36 for the customer to have the impression that the cost of the loan is low but if you want to hire, just give a few clicks, enter the password, the code and you’re done. More cash credit on account.
An excellent financial instrument to be used for financial control, you receive a 10- or 20-sheet checkbook and can use it freely. Today we can say that it is the most traditional form of payment, yet they still remain widely used by the consumer in pre-dated operations. Currently, with the lack of credit on the cards, at the special credit limit, on the pre-approved loan, it remains for the checks to become the defaulter instrument of the last 18 years.
Financing of goods
It has a clean name, has a bank account, your income is a little higher than the minimum wage, so you’re done, buy a new vehicle now without IPI, leave driving and pay in 60, 72 or 84 months without entry, ops… a entrance can be divided into the credit card.
And, you still believe that having credit available is not a good one, you can request more loans at will until the income no longer allows, use the credit card to pay for everything, everything even! Making pre-dated shopping payments with checks and going to a dealership and getting out of a car without taking a cent off the wallet is a great deal? After doing everything that can not, it enters the queue of the national debtors, of the bad payers and deadbeat, and without credit.
Speaking of which, and the credit war, financing of goods and money, public banks raise credit in Brazil at very high concession levels, while private retail banks try to follow them, while others remain on the line.
To help you take credit and make you believe that you have money, federal banks have led the credit revolution in our country, reducing interest rates on various lines of credit, lending modalities, and encouraging greater competition among banks.
With these interest rate reductions in financial operations, loans, financing and personal credit you will believe that you have more purchasing power and consequently spending more and often will engage in financial transactions to get money without even needing it.
There is only one problem, with no financial education to deal with the available credit in banks, financial and in commerce, the eager for things, news and launches will be part of the indices of the increase of defaulters in Brazil.