Do you usually buy with a credit card? / Você costuma comprar com cartão de crédito?

In Brazil, while everything is falling, they have decided to make it easier for the population to buy cash or credit cards.

BRASÍLIA - In an attempt to encourage sales of commerce, the government decided to release the charge of a different price for the same product, according to the means of payment. That is, the practice of offering cash discount (or charging more credit card) - not allowed today and viewed with suspicion by consumer protection agencies - will be legalized. The government will edit a Provisional Measure (MP) with this item.

The differential charge for cash payment, ticket, debit card, credit card, etc. will be released, once the MP has been edited.

• There is a big complaint today when someone goes to a store to make a purchase, that they can not get a discount if they pay on the credit card, only if they make the purchase in cash or check. This is one of the topics that are being presented and will require appreciation from the Central Bank. This may lead to a substantial reduction in credit card interest, but this formula will only apply when the Bank's studies on this matter are completed, said Michel Temer, chairman of the Commission, who made the initial statement of the measures.

The economic team will also force electronic payment machines to accept all types of banner in order to stimulate competition. One of the focuses of this point is to shorten the repayment term and reduce the administration fee charged to the tenants. Specific measures will be evaluated to reduce the interest charged on the revolving credit.

The government also assessed that the positive register - a type of register of the good payer for years regulated, but with low adherence due to excessive bureaucracy - deserved changes in its format. Now the inclusion of the name of the consumers will be mandatory and the withdrawal will be made only by express expression. An MP will be edited for this purpose.

The objective of the positive registry is to allow for the analysis of risk for each borrower, which in theory opens space for the reduction of credit interest. Today, the average of the consumers of each modality is the most frequent indicator of the rate charged in the financing.

A RETROCESS FOR THE CONSUMER.