As mudanças nas regras para o uso do rotativo do cartão de crédito começaram a valer nesta segunda-feira (03). O Conselho Monetário Nacional (CMN) expediu norma (resolução 4.549) disciplinando o parcelamento da fatura do cartão de crédito.
A partir de agora, os clientes só poderão fazer o pagamento mínimo da fatura e acessar o crédito rotativo apenas uma única vez. Antes, o consumidor pagava o valor mínimo da sua dívida quantas vezes fosse preciso. O que acumulava a conta por meses consecutivos.
A restrição foi criada para coibir o uso do rotativo e obrigar os bancos a oferecer uma solução de parcelamento para o cartão de crédito com juros mais baratos. A taxa de juro do rotativo encerrou 2016 em 484,6% ao ano, segundo dados do Banco Central, que considera a média de todas as instituições financeiras.
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