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The moment when the Brazilian consumer is paying attention to the debts According to the Credit Protection Service of Brazil (SPC) and the National Confederation of Traders (CNDL), the number of people with the negative name has reached 62.8 million in October in the country, a growth of 4.22% over the previous month.Only 28% declare themselves to be conscious buyers.
Bank debts, which credit cards and overdrafts, have grown significantly over the period. "Administrative Officer Renato Borges, Fortaleza resident, was on the long list of defaulters.
Even at age 18, compulsory purchases on the credit card of the university the Conduisa At the bottom of the pit.
The lack of financial control, from 2007 to 2011, made the debt of the student of the time who lived with his parents. almost all of your salary is dedicated to bills. "I spent months paying installments of 24 times, there was only $ 80, $ 100 for the rest of the month."
The period of difficulty, "necessary" to learning, believes Renato, was a lesson to develop. dislike for credit card purchases and the commitment of almost the entire budget with regard to debt. Currently, he follows the pattern of regulated consumption and has become a follower of saving.
From 2012 to 2015, he managed to raise R $ 23,000. The money was used to buy a new motorbike, a Seminole car and, with the savings of his wife, bought a house in the Paupina neighborhood. The economy was also used to prepare for the arrival of his first daughter, now three months old. "If I had not changed minds today, I would not have had anything of that," he says.
He needs a lot of control to get rid of unnecessary consumption. "I have to get up all the time, because any slippage, when the situation seems stabilized, is enough for new debts," he adds.
Renato's warning makes sense. According to the SPC Brazil / CNDL, of the total number of consumers refused in October, 80% are repeat offenders. Among them, 25% had regularized the situation and 55% were still indebted
In Ceará, the scenario begins to improve. The year has been positive for the decrease in delinquency. Cláudia Brilhante, director of the Commerce Federation of the State of Ceará (Fecomércio-CE), explains that having debts is normal because most citizens have regular expenses, such as bills of credit. 39, water and electricity. However, in the state, the consumption rate in this situation decreased by half between June and November, from 12.6% to 6.3%
However, in the state, the 39, consumption index in this situation decreased by half between June and November, from 12.6% to 6.3%.
"The consumer had to learn how to organize his finances, to establish a chart of accounts for the family and to try to carry out this plan", considers Cláudia. "Last year, the release of the inactive resources of the FGTS and PIS / Pasep this year helped the consumer prioritize the debts."
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