Credit card is one of the main financial tools used by Brazilian users, but its use requires planning and control. In a survey conducted by Serasa Xperian, the average credit card purchase ticket reached its second largest in March 2024. For some, it may indicate security and flexibility, it can be a way to owe it to others, especially when credit interest rates are implemented.
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Based on a positive register, the average ticket ticket on credit card reached R $ 1,416.58 in March last year. The summit reached the previous month, in February, the R was reached at $ 1,430.61. The study also analyzed consumer payment behavior, taking into account aspects of gender, income, region and age. Consumer BED conducted by Fecomércio PA in February 2025 and default research (PEIC), strengthens this trend, and 81.2% of the debts in the state of Para are related to credit card, which is the main form of consumer TED ha.
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The way users use the card will change their financial habits and requirements. Teacher Miana Rodrigues shared his strategy to prevent debt. “I will try to use a credit card only when I need it. If I can pay it, I will choose it. When other resources are already compromised, I will usually leave it at the end of this month. I will try to keep this use for emergency conditions and I will not use the entire limit.”
Rosian Almida has already chosen a different path and left the card use seven years ago. The mother of the autistic children, says she will always like to plan her purchases and always pay in sight. “The card may be one hand on the wheel, but it has a complex cost-impact. I am in a position to bear the interest of the card and that I am in a position to bear the card and bear the debts.” To receive, Rosion adopts a strict financial planning system: “I have previously counted, save money and only when I already have a total value. It’s not easy, but it works.”
Card: A friend or villain?
Para and Aamapa (Corekan PA/AP) State Regional Council of Economics Advisor Nalio Bordeda in the States said that Philho and credit card would be beneficial for those with financial control, but also a trap for cluttered consumers. “The main attractions include practicality, security, interest installments and benefits such as cashback and travel points,” he said.
For those who know how to use the card strategically, it becomes a friend of cash flow. “When the consumer pays the bill and take advantage of the benefits, the card may be more saving than other types of payments. However, uncontrolled use, especially rotary and high interest rates, can lead to an invaluable debt,” the economist warned.
Accidents of indebted
Brazil has a worring history of credit card debt. The interest rates of this method are the highest in the market, with a great risk for consumers without a revolving credit plan. “Credit access is that most Brazilians spend beyond what they can pay. Its impact on a credit score will be negative, reducing the chances of getting financing in the future,” said Philho.
The PEIC pointed out that 69.3% of the para consumers were in debt in February 2025 and that there was a slight retreat compared to January (69.4%), but still high levels. Of these, 20.6% have last bills, and 6.2% claim that they cannot pay their debts. The average loan commitment time is 6.7 months, which highlights the tight budget for most families.
To prevent this scenario, experts recommend that the use of card usage only for planned expenses, prevent unnecessary installments and pay the bill. “Use the ideal card as a financial management tool, not as an income affiliation,” said the economist.
Perspectives and trends
With the average ticket recorded by Serasa Xperian, consumer behavior represents an increase in credit card use, which is necessary or confidence in the economy. However, this trend indicates that many people use this card as a way of supplying financial difficulties.
To prevent problems, economic education is required. Philho concluded in Bordeda, “It is not about understanding the credit card as a ghost, but teaching the user to use it responsibly. The smaller changes of the habit can make a big difference.”
