Appointment with the Credit Protection Service

More than half of the Brazilians who are on the list of defaulters do not know that their date are in the registries of debtors. Is that you? Is the name dirty in the square? According to a survey by SPC Brasil, an institution that manages default data, 41% of Brazilians have already been listed on the credit blacklist. When you fail to pay a benefit, issue bad checks or fail to comply with a financial obligation, your name may be defaulted on the Credit Protection Service (SPC) for up to five years.

Consult before granting credits, accepting checks or opening credit

Consult before granting credits, accepting checks or opening credit

The SPC maintains a database filled with trade information, service providers, C, in which all members can consult before granting credits, accepting checks or opening credit. That is, if you fail to pay one, everyone will know and, if you need any of these services again, you will be in trouble.

But how do you know if, for some reason, your date is part of this list? SPC Brasil states that the consultation can only be done in person, in any of its units. You will have to take RG and CPF and the service is free.

Once you find that your name appears as a debtor, the debt will have to be paid or renegotiated for the date to be removed from the list. The SPC still states that there is no minimum amount of debt to enter the registry.

How does SPC work?

How does SPC work?

The SPC database is fueled by information from merchants and the banking network. The institution is linked to the Chamber of Shopkeepers of more than 2,200 municipalities in Brazil, where consumer data circulate.

The entity acts as an intermediary between the merchants and the consumer and is maintained at the initiative of the retailer network. They organize the registration of the defaulters and make it available for consultation of the members. So, if you have a dirty name for a debt in any part of the country, the rest of the national territory will know.

But your data will only be open to members and the SPC can not disclose it to third parties. The Consumer Protection Code further ensures that the debtor needs to be advised if his name is included in the list.

Ensure authenticity of information

Ensure authenticity of information

If you search the internet, you will find numerous sites offering services to consult the list of defaulters. However, the SPC does not recognize the legitimacy of any of these sites and advises the consumer to seek the institution directly.

Therefore, to ensure that the information is correct, use the official means of consultation. That is, go to the nearest unit and take your documents.

Preventive action

You may have already met somebody or heard some story where they stole the subject’s papers and used their date to make purchases and borrow money. Please note that SPC offers free services for you to report that it has been stolen and for the entire commercial and banking network that your documents are in the hands of another person and therefore any action on your behalf will be suspect. If you get stolen or lost your documents, immediately look for these institutions, taking the bulletin of occurrence, and avoid a huge headache.

It is worth knowing how to consult the SPC to ensure that all your consumer rights are preserved. And if your name appears to be defaulter, try to reorganize your finances to pay off the debt and enjoy the benefits of having the name cleared again.

See What to Evaluate Before Applying for a Credit Card

what to think before applying for a credit card

Applying for a new credit card may seem like a simple task. However, the variety of options available in the market can turn this undertaking into something more complex than imagined. Each card has peculiarities that can fully meet the desire of a certain consumer profile, but not the one of diamonds. Below you will find some tips for evaluating the hiring of a new card. And thus, do not regret the service purchased.

 

The ideal bank to tow my credit card

The ideal bank to tow my credit card

Financial institutions in which you already have a current account or other contracted services may be the first option to be evaluated. A good history of relationship with the bank, such as up-to-date payments and account use to receive your salary, for example, are possible facilitators to negotiate a lower annuity or a credit limit that meets your expectations. In addition, attaching the new credit card to your checking account can provide important expense control and invoice payment assistance.

This, however, is not a rule. Listening to proposals from other institutions can lead you to better values ​​and better match your profile. So, research before closing a contract.

 

Credit Card Limit

Credit Card Limit

This is perhaps the most important item for the consumer who wants to have a new credit card in hand. This amount will be stipulated by the bank to which your card will be attached. As we said above, having a “good client” relationship with a financial institution can help negotiation. But it may not be enough to meet your need.

You should evaluate well what your real need is for a certain amount to use as a limit. (it’s no use using the card and you need a personal loan to pay it, right?). The fact that one bank offers a higher limit than another should not be the only factor to be taken into account for your choice. Here are some tips on how to know the ideal credit card limit according to your consumer profile.

 

Credit card interest policy

Credit card interest policy

Each credit card profile has a specific regulation regarding the revolving interest rates charged to the customer. You probably do not have in mind the idea of ​​delaying the payment of the invoice or parceling its value. Even so, it is essential to keep an eye on the table that the bank instituted at the moment of the credit card offer. The fees for this type of service are usually quite high and can lead to problems for payment in the future. Evaluate well and negotiate such values ​​before making the hiring of the card.

 

Amount of annuity

Amount of annuity

The annuity amount will be charged periodically from your card until its expiration expires. There are many instances of financial institutions that offer the first free annuity. Or, even, free cards of this fee until the contract is terminated. In this way, compare the values ​​offered by each bank before hiring.

 

National and international credit cards

National and international credit cards

A valid credit card outside of Brazil usually has higher maintenance and interest rates. If you travel abroad regularly or usually shop at international sites, opt for the international mode. But if you do not have this profile, a national credit card can fully meet your needs. And mean savings with annuity and other fees.

 

Benefits that credit card can offer

Benefits that credit card can offer

Most credit cards offer benefits that can make your credit card usage more attractive when it comes to shopping. If you are a frequent user of this form of payment, programs that accumulate points according to use can be a great advantage. There are cases of offers where you already start using your credit card with bonus points offered by the financial institution.

In the Brazilian market, many physical and virtual stores that have their names attached to the card offer discounts on purchases of products on the premises. If you are a loyal shopper, you can benefit from this extra discount. This includes airfare purchases and accumulation of miles, books, electronics, supermarkets, among others.

 

How Best to Borrow Money Online?

If you want to proceed with the purchase of a home or want to (re) build it, then you may not have enough with your savings. To obtain the necessary capital, you can appeal to a person or an institution that you want to borrow the money for .

 

You can take out a loan through a family member or friend, the so-called private loan

private loan

But that is not really recommended. There is a good chance that your friend or family member is not willing to lend you the amount and, furthermore, a long-term financial dependence can seriously dampen your (good) relationship with your family member or acquaintance. On this website, however, we give you tips if you want to proceed with a private loan.

The best way not to mix private issues with your financial affairs is to use the services of a financial institution (a bank or a lender) . This can easily provide you with a sum of money that you will only have fully repaid in 10 or 20 years (or earlier). This service also has its price: interest or interest .

 

The financial institution will also require assurance that you can repay the loan

repay the loan

That is why a guarantee is requested. This can be a person, a property or securities (shares, savings certificates, bonds, etc.) or a mortgage on your property. The latter is the most common deposit. We also provide you with information about the outstanding balance insurance and / or life insurance policy .

This website wants to show you the different options. Born from our own experiences we give you our vision.

 

We are not a lender

lender

But we want to fill the gap on the internet when it comes to information about Jerry Lemon and credit so that you can go to a bank or lender well prepared. We insist that you always follow our tips on borrowing smart money so that you do not get into financial difficulties.

Do you want to take out a loan? Then consult the following lenders.

Financial advice – How to create your startup from scratch?

If you dream of your own business or want to start a project, but your company cannot start once and for all, it may be time to implement these useful financial advice on the most efficient way to create your startup .

What is a startup?

What is a startup?

In the last 2 decades, startups or startups have been setting a trend. Why? They have represented a new business model that has evolved by leaps and bounds with great success, thanks to technology, the web and multimedia tools.

Thousands of entrepreneurs have taken the initiative to propose and exploit an innovative concept to stand out from the rest and be recognized, using various digital media. Thus we have the example of social networks, which have grown steadily and steadily as Facebook.

And surely you also have many positive and innovative ideas that can change the world , even to some extent, but do you know how to transport those ideas to the next level? The one that leads your business to win more and more customers and to increase capital.

Strategically speaking, what you require is that your ideas can be introduced to the market today, which is increasingly demanding and challenging, that you manage to create your startup and attract masses and then develop and obtain an imminent launch of your business with absolute success.

Now, the question you could ask yourself is why undertake? It is more than obvious that people always look for something better, something of their own, that we can work for ourselves and not for others, right?

Why seek economic independence?

Why seek economic independence?

So why seek economic independence? We are enjoying ourselves in a company that manufactures what we like and passionate, for example, if it is coffee, it will be that coffee that bears our own brand, our identity, our pride.

In this modern and technological era, you need to optimize your digital tools, adapt them to your business idea and focus on your dream, not that of others.

But remember that the longer you spend, you will lose important opportunities that could make the difference between the growth you are looking for and simple desire without ever having materialized, so stop thinking so much and start now.

In this practical guide on how to create your startup from scratch , you can find helpful tips that will transform your business vision and make you take the first step with more security and focus, to make a meaningful decision, like a winner.

But this does not only imply, for example, a market research or realizing your idea, it also has to do with the correct and intelligent management of your finances, which play an extremely important role in this life project.

Then, everything you need to know to create your startup and succeed in this issue that is so complex for many.

Start your startup now

Start your startup now

It will seem monotonous and even obvious that the first step is to start, but, even if you do not believe it, many startup projects do not even start for various reasons, which obey everything except for lack of budget.

Here is an essential detail, although money is a necessary element, it will always be just a tool. So the fact of not having this resource is no excuse for not starting your business, the money will come with your effort, do not become an obstacle for yourself.

What are you going to sell?

What are you going to sell?

The second and perhaps one of the most important points is that you really think about that product or service that you would sell. Entrepreneurs are able to innovate, but sometimes it is not so, just sell the usual thing differently, with added value to differentiate you.

Meet your ideal or potential customers

Meet your ideal or potential customers

This factor is key when creating your startup, if you are an insurance entrepreneur there is a field for you, but there are also many people who require that service or product you offer, the important thing is to know what these potential consumers want.

Through a market study, learn what your real needs are and adjust your business to the best service that will represent a solution for everyone. This will allow you to improve and even highlight your competition.

Importance of hiring freelancers

Importance of hiring freelancers

It is essential that you build a competitive work team that provides solutions, but how about hiring freelancers? They are talented people who would work from a distance, which you could take advantage of, since, as one of the best financial advice , this would be more economical and beneficial for you.

Freelancers can offer their services even from other countries, it is only necessary that you take that somewhat risky step, but if so, it will give you maximum results.

Work by project

When working under an employee-employer relationship, many problems come with you that will not let you move forward quickly, for example, most people are not encouraged to work in a startup because it means a very new business that is not yet strongly established.

This should not limit you, so do not hire employees, but collaborators for specific jobs, this means that once the project is completed, the person is paid and the relationship ends until a new project is simple and effective!

conclusion

conclusion

Now that you know the best tips to create your startup from scratch , you are ready to undertake, in addition to saving in several ways, but be careful to overdraw your credit cards in expenses for your business, because what can be a solution could end in Put an end to your dreams.

Do you know the function and benefits of Fintech companies? They would represent a true solution to solve debts that you have on your credit card, but not everyone offers you a plan adapted to your needs.