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Credit cards are the main financial villain in the lives of many Brazilians, but recently debt with banks and credit cards has decreased. Serasa's most recent survey, released last Tuesday (24), showed a positive result.
Thus, this debt fell by 0.31 percentage points between August and September, reaching 28.8%, the lowest level of 2023. See more details of this survey below and understand what happened.
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Why did credit card debt decrease?
It is important to highlight that the launch of Desenrola Brasil helped reduce debt with banks and credit cards. The program began on July 17 and is expected to last until December 31 of this year. Its focus is to renegotiate Brazilian citizens' debts at lower amounts.
In other words, since the survey was conducted between August and September, the program was already in effect and impacted the result. Thus, it can be said that the government's initiative has had a positive impact so far.
About Desenrola Brasil
The Desenrola Brasil has already reached the third phase, which renegotiates debts of up to R$ 5,000 for people 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.
To access the program, simply go to website and check whether you can renegotiate your debt. It is worth noting that you need silver or gold level certification on gov.br to register.
Serasa survey shows more than just credit card debts
In addition to highlighting the positive situation of card credit, Serasa's study highlighted another highly promising decline in the basic expenses 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, it was 71.7 million, representing a variation of 0.12%.
Image: jarmoluk/ Pixabay
