{"id":143292,"date":"2017-06-28T16:30:30","date_gmt":"2017-06-28T19:30:30","guid":{"rendered":"https:\/\/www.notibras.com\/site\/?p=143292"},"modified":"2017-06-29T04:33:02","modified_gmt":"2017-06-29T07:33:02","slug":"normas-do-cartao-de-credito-passam-despercebidas-do-usuario","status":"publish","type":"post","link":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/","title":{"rendered":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas"},"content":{"rendered":"

Camila Maciel<\/strong><\/p>\n

Embora os juros sejam o principal temor dos usu\u00e1rios de cart\u00e3o de cr\u00e9dito, 59% dos consumidores desconhecem as taxas cobradas em caso de atraso no pagamento da fatura. O dado faz parte de estudo feito pelo Servi\u00e7o de Prote\u00e7\u00e3o ao Cr\u00e9dito (SPC Brasil) e pela Confedera\u00e7\u00e3o Nacional de Dirigentes Lojistas (CNDL). A pesquisa mostra tamb\u00e9m que 43% usu\u00e1rios de cart\u00e3o concordam com as novas regras do Banco Central (BC), v\u00e1lidas desde abril, que impedem o consumidor de permanecer no cr\u00e9dito rotativo por mais de 30 dias quando \u00e9 pago o valor m\u00ednimo da fatura. Para eles, as novas regras foram impostas porque os juros cobrados s\u00e3o abusivos.<\/p>\n

Entre os entrevistados, 38% j\u00e1 ficaram, em algum momento, com o \u201cnome sujo\u201d por n\u00e3o pagar a fatura e 11% disseram estar com parcela em atraso. A pesquisa apontou ainda que para 90% dos consumidores, o uso de cart\u00e3o de cr\u00e9dito imp\u00f5e riscos \u00e0 vida financeira das pessoas. Os motivos apontados para que ele seja visto como amea\u00e7a s\u00e3o os juros altos (40%), o risco de clonagem (31%) e o incentivo \u00e0s compras impulsivas (27%).<\/p>\n

O estudo mostra que 57% dos usu\u00e1rios n\u00e3o controlam de maneira adequada os gastos feitos com o cart\u00e3o de cr\u00e9dito. Entre as formas utilizadas para acompanhar as compras est\u00e3o consultar pela internet a fatura antes do fechamento (28%); ler a fatura depois que foi fechada (15%) e fazer o controle de cabe\u00e7a (13%). Apenas 1% dos usu\u00e1rios disse n\u00e3o fazer nenhum acompanhamento. O controle total e sistem\u00e1tico \u00e9 feito 38% dos usu\u00e1rios. O modelo mais comum nesses casos \u00e9 a anota\u00e7\u00e3o no papel (21%), seguido pelo uso de planilhas (11%) e registro em aplicativo de celular (6%).<\/p>\n","protected":false},"excerpt":{"rendered":"

Camila Maciel Embora os juros sejam o principal temor dos usu\u00e1rios de cart\u00e3o de cr\u00e9dito, 59% dos consumidores desconhecem as taxas cobradas em caso de atraso no pagamento da fatura. O dado faz parte de estudo feito pelo Servi\u00e7o de Prote\u00e7\u00e3o ao Cr\u00e9dito (SPC Brasil) e pela Confedera\u00e7\u00e3o Nacional de Dirigentes Lojistas (CNDL). A pesquisa […]<\/p>\n","protected":false},"author":2,"featured_media":73201,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-143292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brasilia"],"acf":[],"yoast_head":"\nNormas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras\" \/>\n<meta property=\"og:description\" content=\"Camila Maciel Embora os juros sejam o principal temor dos usu\u00e1rios de cart\u00e3o de cr\u00e9dito, 59% dos consumidores desconhecem as taxas cobradas em caso de atraso no pagamento da fatura. O dado faz parte de estudo feito pelo Servi\u00e7o de Prote\u00e7\u00e3o ao Cr\u00e9dito (SPC Brasil) e pela Confedera\u00e7\u00e3o Nacional de Dirigentes Lojistas (CNDL). A pesquisa […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\" \/>\n<meta property=\"og:site_name\" content=\"Notibras\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/notibras\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-28T19:30:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-06-29T07:33:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"442\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reda\u00e7\u00e3o\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Notibras\" \/>\n<meta name=\"twitter:site\" content=\"@Notibras\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reda\u00e7\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\"},\"author\":{\"name\":\"Reda\u00e7\u00e3o\",\"@id\":\"https:\/\/www.notibras.com\/site\/#\/schema\/person\/36ab0979449956132d3e5b517ea76ac8\"},\"headline\":\"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas\",\"datePublished\":\"2017-06-28T19:30:30+00:00\",\"dateModified\":\"2017-06-29T07:33:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\"},\"wordCount\":299,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.notibras.com\/site\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg\",\"articleSection\":[\"Bras\u00edlia\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\",\"url\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\",\"name\":\"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras\",\"isPartOf\":{\"@id\":\"https:\/\/www.notibras.com\/site\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg\",\"datePublished\":\"2017-06-28T19:30:30+00:00\",\"dateModified\":\"2017-06-29T07:33:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage\",\"url\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg\",\"contentUrl\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg\",\"width\":800,\"height\":442,\"caption\":\"Foto\/Arquivo Notibras\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\/\/www.notibras.com\/site\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.notibras.com\/site\/#website\",\"url\":\"https:\/\/www.notibras.com\/site\/\",\"name\":\"Notibras\",\"description\":\"Not\u00edcias de Bras\u00edlia, do Brasil e do Mundo\",\"publisher\":{\"@id\":\"https:\/\/www.notibras.com\/site\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.notibras.com\/site\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.notibras.com\/site\/#organization\",\"name\":\"Grupo Notibras de Comunica\u00e7\u00e3o\",\"url\":\"https:\/\/www.notibras.com\/site\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/www.notibras.com\/site\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2023\/01\/notibras23.png\",\"contentUrl\":\"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2023\/01\/notibras23.png\",\"width\":350,\"height\":87,\"caption\":\"Grupo Notibras de Comunica\u00e7\u00e3o\"},\"image\":{\"@id\":\"https:\/\/www.notibras.com\/site\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/notibras\/\",\"https:\/\/x.com\/Notibras\",\"https:\/\/www.instagram.com\/notibras\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.notibras.com\/site\/#\/schema\/person\/36ab0979449956132d3e5b517ea76ac8\",\"name\":\"Reda\u00e7\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g\",\"caption\":\"Reda\u00e7\u00e3o\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/","og_locale":"pt_BR","og_type":"article","og_title":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras","og_description":"Camila Maciel Embora os juros sejam o principal temor dos usu\u00e1rios de cart\u00e3o de cr\u00e9dito, 59% dos consumidores desconhecem as taxas cobradas em caso de atraso no pagamento da fatura. O dado faz parte de estudo feito pelo Servi\u00e7o de Prote\u00e7\u00e3o ao Cr\u00e9dito (SPC Brasil) e pela Confedera\u00e7\u00e3o Nacional de Dirigentes Lojistas (CNDL). A pesquisa […]","og_url":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/","og_site_name":"Notibras","article_publisher":"https:\/\/www.facebook.com\/notibras\/","article_published_time":"2017-06-28T19:30:30+00:00","article_modified_time":"2017-06-29T07:33:02+00:00","og_image":[{"width":800,"height":442,"url":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg","type":"image\/jpeg"}],"author":"Reda\u00e7\u00e3o","twitter_card":"summary_large_image","twitter_creator":"@Notibras","twitter_site":"@Notibras","twitter_misc":{"Escrito por":"Reda\u00e7\u00e3o","Est. tempo de leitura":"1 minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#article","isPartOf":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/"},"author":{"name":"Reda\u00e7\u00e3o","@id":"https:\/\/www.notibras.com\/site\/#\/schema\/person\/36ab0979449956132d3e5b517ea76ac8"},"headline":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas","datePublished":"2017-06-28T19:30:30+00:00","dateModified":"2017-06-29T07:33:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/"},"wordCount":299,"commentCount":0,"publisher":{"@id":"https:\/\/www.notibras.com\/site\/#organization"},"image":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage"},"thumbnailUrl":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg","articleSection":["Bras\u00edlia"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/","url":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/","name":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas - Notibras","isPartOf":{"@id":"https:\/\/www.notibras.com\/site\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage"},"image":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage"},"thumbnailUrl":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg","datePublished":"2017-06-28T19:30:30+00:00","dateModified":"2017-06-29T07:33:02+00:00","breadcrumb":{"@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#primaryimage","url":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg","contentUrl":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2015\/10\/juros-cartao-credito-800x442.jpg","width":800,"height":442,"caption":"Foto\/Arquivo Notibras"},{"@type":"BreadcrumbList","@id":"https:\/\/www.notibras.com\/site\/normas-do-cartao-de-credito-passam-despercebidas-do-usuario\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/www.notibras.com\/site\/"},{"@type":"ListItem","position":2,"name":"Normas do cart\u00e3o de cr\u00e9dito passam despercebidas"}]},{"@type":"WebSite","@id":"https:\/\/www.notibras.com\/site\/#website","url":"https:\/\/www.notibras.com\/site\/","name":"Notibras","description":"Not\u00edcias de Bras\u00edlia, do Brasil e do Mundo","publisher":{"@id":"https:\/\/www.notibras.com\/site\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.notibras.com\/site\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/www.notibras.com\/site\/#organization","name":"Grupo Notibras de Comunica\u00e7\u00e3o","url":"https:\/\/www.notibras.com\/site\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.notibras.com\/site\/#\/schema\/logo\/image\/","url":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2023\/01\/notibras23.png","contentUrl":"https:\/\/www.notibras.com\/site\/wp-content\/uploads\/2023\/01\/notibras23.png","width":350,"height":87,"caption":"Grupo Notibras de Comunica\u00e7\u00e3o"},"image":{"@id":"https:\/\/www.notibras.com\/site\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/notibras\/","https:\/\/x.com\/Notibras","https:\/\/www.instagram.com\/notibras\/"]},{"@type":"Person","@id":"https:\/\/www.notibras.com\/site\/#\/schema\/person\/36ab0979449956132d3e5b517ea76ac8","name":"Reda\u00e7\u00e3o","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e0a867bdedb85fd243eadf09663511f96fc81e0720a4a42581f334ad4303aa6b?s=96&d=mm&r=g","caption":"Reda\u00e7\u00e3o"}}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/posts\/143292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/comments?post=143292"}],"version-history":[{"count":2,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/posts\/143292\/revisions"}],"predecessor-version":[{"id":143294,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/posts\/143292\/revisions\/143294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/media\/73201"}],"wp:attachment":[{"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/media?parent=143292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/categories?post=143292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.notibras.com\/site\/wp-json\/wp\/v2\/tags?post=143292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}