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Credit cards are the biggest financial villain in the lives of many Brazilians, but recently debts with banks and credit cards have decreased. The most recent survey by Serasa, released last Tuesday (24), showed a positive result.
Thus, these debts fell 0.31 percentage points between August and September, reaching 28.8%, the lowest level in 2023. See below for more details of this research and understand what happened.
Why has credit card debt decreased?
It is important to highlight that the launch of Desenrola Brasil helped reduce debts with banks and credit cards. The program began on July 17 and is expected to last until December 31 of this year. The focus is to renegotiate Brazilian citizens' debts with lower amounts.
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In other words, since the survey was conducted between August and September, the program was already in effect and had an impact on the results. Therefore, it can be said that the government's initiative has had a positive impact so far.
About Desenrola Brasil
THE Unroll Brazil has already reached the third phase, which renegotiates debts of up to R$1,000 for those with a monthly income of up to two minimum wages. The second phase of the program focused on small-value debts, such as bank debts of up to R$100, while the first phase was for individuals with an income of up to R$20,000.
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To access the program, simply enter website and check if you can renegotiate your debt. It is worth noting that you must have silver or gold certification on gov.br to register.
Serasa survey shows more than just credit card debt
In addition to highlighting the positive situation of card credit, the Serasa study highlighted another very promising drop in the basic accounts sector. Thus, expenses such as electricity, water and gas fell by 0.64 percentage points, reaching 23.8%.
Despite the positive results, the number of Brazilians in default increased slightly in September. Thus, the number rose from 71.8 million in August to 71.7 million, i.e. a variation of 0.12%.
Image: jarmoluk/ Pixabay
