Cards & Credit

Cards, loans, financing, interest, CET and installment plans explained before you take them out.

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Pessoa consulta aplicativo bancário que separa saldo em conta em verde e cheque especial em alerta laranja, com extrato e cartão sobre a mesa.

Cards & Credit21/09/20265 min read

Overdraft shown as balance: how to separate your money from the credit limit and understand the cost

Learn why Brazil's cheque especial overdraft can appear next to the account balance, how to identify your own funds, when the limit starts being used and how interest applies.

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Mãos analisam um contrato de crédito com lupa, ao lado de painéis que comparam juros, CET, parcelas e custo total, um celular com anúncio de juros baixos e uma calculadora.

Cards & Credit21/09/20265 min read

CET or interest rate: why cheaper credit in an ad can cost more in the contract

Learn how interest, CET, installments, and total cost relate, and compare credit offers without confusing the advertised rate with the final price.

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Pessoa confere no celular dois lançamentos pendentes do mesmo supermercado ao lado de cartão e comprovante.

Cards & Credit14/09/20266 min read

Purchase appeared twice on your card: preauthorization, duplicate charge and when to dispute

Learn how to tell a temporary authorization hold from a duplicate charge, what to check in the app, and when to request a reversal or file a dispute.

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Mão aproxima cartão preto de uma maquininha que exibe um X vermelho de pagamento recusado sobre balcão de madeira.

Cards & Credit14/09/20267 min read

Card declined with available credit: security block, per-purchase limit or terminal failure?

Learn how to distinguish a security block, a card-specific limit and a terminal failure before retrying a declined purchase.

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Mãos segurando um smartphone com interface de autorização do Open Finance, ícones bancários conectados, calendário marcado com 3 dias úteis e ampulheta sobre a mesa.

Cards & Credit12/09/20267 min read

Open Finance credit portability: what the 3-business-day deadline means and what changes in November 2026

The three-business-day deadline applies to one stage of the Open Finance information exchange, not the entire journey. See the flow, current scope and planned November expansion.

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Mesa com contrato de empréstimo marcado como quitado, folheto de seguro prestamista, calculadora, caderno de conferência e celular com comprovante de quitação antecipada.

Cards & Credit30/08/20269 min read

I paid off my loan early and had credit life insurance: when is the premium refunded and how can you check the amount?

Paying off a loan early reduces future interest, but that is not the same as recovering the insurance premium. See when a credit life insurance premium may be refunded and how to c...

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Mesa com fatura de cartão, calculadora, caderno comparando pagamento mínimo, parcelamento e empréstimo e celular com simulação de crédito.

Cards & Credit18/08/20269 min read

I can't pay my card bill: how to compare minimum, installments and loan by CET and total payable

Before maturity, compare CET, total value, term and installment on the same basis. See when the minimum becomes revolving, how to test a loan and when portability comes into the ac...

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