Credit, your credit in the card facilitated without complication. It was the time when someone needed (or wished) to buy from a new dress to a cell phone of last generation and did not have all the value of the product in hand, would have to give up the acquisition. Nowadays, the stores go to great lengths to facilitate their customers’ purchases. There are stores that accept debit and credit card payments, installments on the pre-check, monthly bills and even credit cards. That is, there is always a form of payment to cause the consumer to stop buying. Do not have money on hand? We can install. Just use your credit card. Do not have a credit card? It gives to make the purchase parceled in the carnet by the crediário.
Do not have an account yet? Is fast.
To open a customer’s credit or credit card, stores usually require documents like RG, CPF, proof of income, proof of residence, pay stubs and bank references, and that’s it! The store is nothing more than a way to expedite the purchases of customers. The great problem of this and other facilities is that the consumer ends up getting too excited and loses control of their purchases.
As tempting and easy as it is to buy a product, in the sense of acquiring, these days paying for it is another story that in some cases ends up getting to another day. All this facility is a great trap for those more consumeristic and undisciplined people.
The great danger of any installment purchase in the credit card account, for example, is the risk of indebtedness. This is especially true when the purchase is not planned. Planning is the key word to avoid debts with credit or loan crediários.
The responsible consumer should analyze the amount that he can pay in the best term within his budget. In addition, it is always better to opt for the largest amount that the customer can pay and in the shortest possible time frame. Thus, the discharge of the purchase is made more quickly and the buyer can get rid of the debt soon.
The illusion of paying small amounts per month can bring higher interest rates and keep the consumer tied to the purchase for a very long period. Let us suppose that the consumer in question is already in debt. It is not advisable to let the debt pile up, or to prescribe it, a period that lasts five years until the name of the debtor leaves the SPC and Serasa Experian.
This is one of the great problems of credit with credit card, being practical and affordable, the buyer is more vulnerable to being in default with the accumulation of credit debts, financing and financial commitment tickets.