According to research by the institution, 68.8% of those who have this debt are negative. Rent and health insurance are more honored commitments. Credit card is in 3rd place in the list of villains of the dirty name

The personal loan made in banks and finance companies is the debt that most leads consumers to keep their name dirty, points out a survey by the Credit Protection Service (SPC Brazil) in partnership with the Chamber of Shopkeepers (CNDL). Of consumers who have this type of credit, 68.8% are negative.


Credit cards

Credit cards

Also according to the survey, obtained first hand by G1, the credit card, whether payment card, bank slip or store card, is in second place: 67.9% of those indebted in this modality are on the debtors’ lists. Next, there are credit cards (66.6%), overdrafts (51.9%) and auto loans (51.7%).

On the other hand, rent is the most honorable financial commitment. Of the respondents, 84.2% say they have this account up to date. Then comes the health plan (82%), the condominium (77.8%), pay TV and the internet (73%) and water and / or electricity bills (71.6%).

However, what I study shows that the number of consumers who manage to keep these accounts up to date has decreased compared to last year, with the exception of rent. In 2018, 82.1% had their rent up to date, against 89.4% who paid for the health plan, 86.1% for the condominium, 75% pay TV and the internet and 79% the water bills and / or light.

“The inability to pay the commitments on time has led many Brazilians to make a type of rotation to choose which account to pay that month. Usually, the consumer prioritizes the payment of basic bills and essential services, such as water and electricity, ”says the financial educator at SPC Brasil, Julio Victoria, in a note.


Does not pay, but also not negative

personal loans

Among the debts that are overdue, but that are not negative, informal loans taken with relatives and / or friends lead: 33.3% of respondents say they are in this situation. Then there are school or college tuition (26.2%), overdraft (24.1%), installments (20.8%) and credit card (17%).

The survey heard 600 people, between 13 June and 1 July this year, in all capitals of the country.


Spending control

personal debt

For the chief economist of the SPC, Mariella Kwati, the economic scenario is not helping the Brazilian to keep finances in order, but there is also a lack of control over the budget and accounts.

“Most people do not usually organize their expenses, making purchases beyond their financial means, which often turn into debts that are difficult to be paid”, he says in a note.

For those who are already behind on their bills and are thinking of getting a loan to pay them off, the economist recommends caution.

“It is only interesting when an expensive debt is exchanged for a cheaper one. That is, when the consumer replaces the value of debts that charge high interest, such as a credit card, for example, with another with lower values, such as payroll loans. Otherwise, interest rates may make the loan installments unviable, ”he notes.

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