Cartão de Crédito e a inadimplência


O estudo realizado em todas as capitais pela CNDL e pelo SPC Brasil revela que os principais responsáveis pela negativação de CPFs no país são o crediário (65%) e o cartão de crédito (63%), lendo em conta seus usuários. O empréstimo pessoal em bancos ou financeiras aparece em terceiro lugar na lista dos grandes vilões da inadimplência, com 61%.
Entre os outros tipos de dívidas que levaram ao registro do nome em entidades de proteção ao crédito, destacam-se: crédito consignado (60%), cheque especial (57%), financiamento de automóvel (45%), mensalidades escolares (26%), conta de telefone (20%), boletos de TV por assinatura e internet (18%) e conta de água e luz (11%). Atrasos com aluguel e condomínio, respondem por 10% e 8%, respectivamente.

Na avaliação do educador financeiro do SPC Brasil, José Vignoli, o orçamento apertado e a falta de controle financeiro acabam refletindo em uma maior incidência de negativações. “O desemprego ainda em altos níveis e a renda achatada vêm dificultando o pagamento das contas. E o mais grave é o fato que as dívidas bancárias se posicionem entres os primeiros colocados porque os juros elevados por atraso contribuem para que os valores dessas dívidas cresçam até o ponto de o consumidor não conseguir honrar seus compromissos financeiros”, observa.
O levantamento também mapeou quais são as demais contas que os inadimplentes possuem atualmente sem pagar, mas que não necessariamente tenham levado à negativação. De acordo com os dados, os empréstimos que envolvem pessoas próximas com parentes e amigos (38%) são as contas que os entrevistados mais deixaram de pagar. Depois surgem as parcelas do cartão de crédito (20%), crediário (20%) e cheque especial (20%).

Inadimplente prioriza pagamento de plano de saúde e condomínio. Para especialista, ‘troca de dívida’ pode auxiliar ajuste na vida financeira

Quando falta dinheiro para honrar todos os compromissos, um dos maiores desafios para os inadimplentes é priorizar as contas que devem ser quitadas em primeiro lugar. Nesse sentido, a pesquisa mostra que os brasileiros inadimplentes vêm priorizando o plano de saúde (89%) entre as contas a serem quitadas em dia. Os boletos de condomínio aparecem logo atrás, com uma participação de 86%, e o aluguel vem na sequência, com 82%. Outras dívidas que os inadimplentes costumam pagar no prazo são: conta de água e luz (79%), TV por assinatura e internet (75%), conta de telefone fixo e celular (65%) e mensalidade escolar (58%).

Muitos inadimplentes acabam fazendo um tipo de rodízio para escolher qual conta pagar naquele mês, o que demonstra a situação extrema de alguns. Outros, tendem a priorizar o pagamento de contas básicas e de financiamentos, que implicam na tomada do bem ou no corte de fornecimento caso haja atrasos no pagamento. Para alguns casos, pode ser útil o que chamamos de ‘troca de dívida’, que é quando o consumidor substitui o valor das dívidas que cobram juros elevados, como cartão de crédito, por exemplo, por outra mais barata, como o empréstimo consignado. Mas essa deve ser uma opção bem avaliada, após análise ampla do valor das pendências e precisa vir sempre acompanhada de uma reflexão profunda sobre o motivo da inadimplência e quais atitudes levaram o consumidor a essa situação”, orienta Vignoli.

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