December 9, 2019

Didn’t pay the full credit card bill now?

Credit Card: Is there anything that can make you stand taller than an unpaid debt? Yes, a credit card debt, which has the highest interest rate in Brazil. In addition, a recent Protest study comparing credit card fees charged in eight countries has once again revealed that Brazil has the highest.   I didn’t pay my credit card, now what? There are some options in case the delay occurred due to lack of the necessary money: Pay at least minimum invoice So the monthly bill came higher than you had calculated and you are thinking of not paying the total or delaying it? Caution! When you delay the payment of…

November 14, 2019

What is Quod and how does it affect my credit request?

Controlled by five banks, Itaú Unibanco, Santander Brasil, Bradesco, Banco do Brasil and Caixa Econômica Federal, Quod is the newest credit bureau in the market. The intention is to compete with existing bureaus such as Boa Vista SCPC, Serasa Experian and SPC Brazil. What is Quod? Quod is the new credit bureau in the Brazilian market managed by five banks. It will work based on the data banks have about their customers’ payment histories, allowing them to offer lower interest rates to lower risk customers. The system will be managed by Quod, but has technology from the US group LexisNexis, which already operates this type of company in the United…

October 12, 2019

Loans – Facts and price comparison for those who want to borrow USD 3,000.

If you are thinking about borrowing USD 3,000, the most security is about a micro loan that you should look for. Micro loans are small loans that can be received between USD 500 and USD 10,000. Since USD 3,000 is in the middle of this sum it fits well. However, you should know that there are clear disadvantages of micro-loans that we should look at a little. Start lending private loans from USD 10,000 When it comes to other loan types, there may be opportunities to get a private loan of USD 3,000, but it is very uncommon for lenders to offer such small loans of this type. It is…

October 10, 2019

Credit card installment has interest?

Credit cards have become a very popular element among Brazilians, but there are still those who do not understand how it works, what its rates are, am ong other things. Today we will take a very common question from consumers: credit card installment has interest? Install credit card purchases Installment payments may occur with interest-free purchases, but this varies according to the conditions offered by the establishment in which you are making your purchase. If the store does not give the customer the interest-free installment option and yet wants to split the purchase amount, he will eventually pay the interest charged by his credit card management. Remember that in this…

September 28, 2019

The collaborative economy reaches the financial sector

The collaborative economy is a relatively recent concept in Spain, however, more and more people and companies are choosing this new business philosophy. The success of this alternative economy is due mainly to the possibilities offered by new technologies, but also to the change in mentality of society that is evolving towards a more social model, where people deal with people in a more direct way. Society has realized that things can work in a much simpler way than they did until now. We have understood the possibilities offered by the Internet and how we can benefit from it in all areas of our lives, both personally and professionally. Many…

September 12, 2019

Borrow money – Loans

It is not easy to borrow money with a negative BKR registration. In some cases it is even totally impossible. However, a positive BKR does not stand in your way at all. In that case it is even possible to borrow at extra low interest rates. There are also other privileges. For example, people with a positive BKR code may be red at their bank or carry a credit card. Negative BKR coding, on the other hand, is a major obstacle to a loan. Many lenders do not want to provide a loan to someone with a negative BKR. In that case, it is advisable to either take out a…

September 4, 2019

What are Your Financial Priorities

In many situations, it is possible to see that a large number of people simply do not know what their financial priorities should be or even what options and decisions they should take when the objective is to diversify and make their savings profitable. In issues related to financial priorities, opinions arise and all of them present their logic, however, some priorities are fundamental for those who want to achieve all the financial freedom they want. Life is made up of stages and for each stage, there must be priorities that aim to achieve objectives until you achieve the results you want for your financial life. So here are some…

August 8, 2019

Legal Reform of Savings Accounts: What is Changing?

The government wants to make it easier to compare savings accounts. A series of legal reforms have been devised for this purpose. Some entered into force in 2013, others at the start of this year. An overview.   What has already changed in 2013? A normalized product file for every regulated savings account Normalized means that all banks must state the same essential information on the product sheet. The government wants to make it easier to compare the savings accounts of different banks. You can find the product sheet of all our savings accounts here.   Less restrictive conditions for savings accounts From now on everyone can open any type…