Pre-approved credit in an app: how to compare CET and avoid the lower-payment trap
Learn how to compare pre-approved credit by CET, term and total cost, and why a lower monthly installment can still mean paying more overall.
Read articleCharges, Credit & Debt
Undue charges, registrations, responsible credit, negotiation and over-indebtedness.
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Does an improper charge result in a double refund? What changes between amount charged, amount paid and justifiable mistake
The double return of the CDC depends, as a rule, on undue payment. Understand how to calculate the excess paid, when cancellation or simple refund is appropriate and how justifiabl...
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Purchase not recognized on the card: what to do right away, what to keep and how to follow up on the dispute
Know how to differentiate a strange name on the invoice from a truly unauthorized purchase, act quickly, save evidence and follow up on the dispute without making a payment error.
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I paid the debt and my name remains on Serasa or SPC: when do the 5 working days start and what to do
The period of five working days begins after full and effective payment. See how to count, identify the active record and charge the write-off correctly.
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Debt older than 5 years “disappears”? Understand negation, prescription and Serasa Limpa Nome
Debt older than five years does not disappear automatically. Understand what changes in the denial, prescription and offers of Serasa Limpa Nome.
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