Credit Card Para | The approach to be the villain or a friend from

The use of credit card as a financial survival tool has become a trap for many families in the state. According to the Central Bank data released yesterday, the average interest rate of revolving credit – when the consumer paid less than the full amount of the invoice – when it reached 445% a year in March 2025. In para, its effect is already noticeable in research: 77% owe 77%, and 83.7% have loans, and 83.7%.

At the beginning of adolescence, 31 -Are -Publisist Zono Lauriro is happy with the possibility of parcel almost all of the credit card. Clothes, lunch, travel, cell phones. Long before, he dragged four years until he cleaned his name with a fixed job. Today, Para handles three cards, total, with 000 23,000 limits, and trying to maintain control over cost. But he agreed, “I am already considering using the rotary, because it is very difficult to respect the debts at the end of this month.” The campaigner’s condition is not separated. Therefore, users need attention to use this payment method.

Autonomous Recelma Martins found a strategy to continue using credit cards without falling into debts: “Controlled limit”. In this model, the user deposits a predetermined amount in the bank account and turns the balance into credit, which allows for greater control over the cost. She keeps other cards, but now only use them for high value purchases in advance. The bank promotes synthesis with benefits such as a discount such as bank streaming and purchase subscriptions.

“We can regulate our cost in this method and we are not interested in buying with a regular credit card. Only when we calculate and then, we use credit, it gives us benefits,” he explained.

A dangerous combination

The combination of high interest rates and lack of planning is represented as one of the main causes of default in the state. “As interest rises, credit access is expensive, which intensifies consumption reduction and eternal,” Philho explained in the economist Nelio Bordeda.

Consumer Debt and Default Survey (PEIC), Fecomércio/PA, shows that the number of families who are unable to pay debt: from 25.9% in 2024 to 28.6% this year. For Nalio, this scenario also expresses a long -term error of economic education. “Most users are not aware of the high costs of credit and there is no proper plan. They will end up using the card recklessly and accumulate difficult debts to pay.”

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John himself has reported that the recent changes made by the operators – the change in the investors’ closing date – making the financial institution more difficult. “It feels very little, but this kind of change directly affects planning and purchases. And almost always comes with a short warning, a month before.”

Confusion

Although the national default is stable, it will increase more aggressively in Pare, especially in low -income families. “These families often use the card to cope with basic costs such as food. With so many interest rates, these debts will quickly become precious,” the economist said.

In para, the fesomero indicators reflect more anxiety: often, the card limit is confused with the available income. “This confusion is a serious mistake. The limit is a credit, not the money you have. When it is not clear, the chances of straightening are too much,” Nelio said.

John said he would try to spend each card using a specific function, but admitted to frightening interest rates. “One day delayed, there was a purchase of 500 1,500 and had to pay only $ 100 interest and fine. It was surreal.”

Benefits

Despite the losses, the credit card can be a budget friend – as long as it is used responsibly. “This is a tool that provides benefits such as interest -free installment, dot programs and detailed invoices,” said the economist.

Nelio Bordeda suggests that consumers should determine the personal limit than the operators. “If net income is $ 3,000, the ideal will have a limit of $ 900 and 500 1,500,” he advised. Another tip is to take advantage of the card to concentrate on the date of allowing a better financial institution. “With the plan, it can help more than disturbing,” he said.

John agrees even though he recognizes that practice is not always easy. “We will try to use consciousness, but there are a very difficult month. The further clarity and transparency of the missing operators and the more economical education for everyone.”

How to get out of this snowball?

With high interest rates and tight income, most consumers’ doubt: How to get out of this snowball? For Nalio Bordeda, there are practical strategies that will help to owe it.

See Specialist Tips:

– Always pay the amount of the invoice. Avoid getting into revolving that has the highest interest rates on the market.

– Talks. If you are already in rotary, look for the bank to install a loan with low interest rates.

– Consider other forms of credit. Payroll or warranty loans have low rates.

– Have a personal limit. Ideally, the card limit should be between 30% and 50% of your monthly income.

– Budget. List earnings and expenses and follow the month costs.

– Invest in economic education. There are free courses and content to help in the plan.