Juros do cheque especial ultrapassa 212% ao ano, fuja dele!
Uma das poucas verdades que existem em relação a finanças pessoais é de que o brasileiro ainda não aprendeu a lidar com propriedade com o
crédito. É comum encontrarmos pessoas que utilizam linhas de
crédito altas por um período longo quando poderiam com maior conhecimento encontrar crédito mais barato. Tudo isso faz parte do amadurecimento e da necessária pesquisa e interesse em valorizar o próprio dinheiro.
Um dos erros mais graves que serve como exemplo para má utilização do crédito é o
cheque especial, que de especial mesmo, só leva o nome. A última pesquisa divulgada pelo
Procon-SP sobre o assunto descobriu que a
taxa média dos juros cobrados pelos bancos do país é de 149,9% ao ano. A
taxa mais alta ultrapassou 210% e foi encontrada no banco Santander.
Veja os números apurados pelo Procon-SP
![](data:image/png;base64,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)
Como escapar do cheque especial
Se você atualmente utiliza o cheque especial com certa constância, ou pior fez do cheque especial um complemente de sua renda é importante lembrar que a qualquer momento o banco pode cancelar sua linha de crédito, então o mais rapidamente possível é indispensável que o seu padrão de vista seja revisto para que as despesas não saiam de controle. Vale a lembrança:
Gastar mais do que se ganha nunca é uma boa alternativa.
Uma saída para quem faz uso do limite do cheque especial é tomar um empréstimo em linhas de crédito com juros menores, comece é perguntando sobre o
crédito consignado no RH de sua empresa, os juros dessa modalidade costumam ser muito menores, outra alternativa que também é mais barata é um empréstimo pessoal.
Um detalhe importante é a diferença entre as taxas cobradas pelos bancos, pesquisar oportunidades e sair da zona de conforto é essencial para quem valoriza o próprio dinheiro. Como comparação, imagine alguém utilizando R$ 100 do cheque especial do banco Santander, no final de 12 meses a dívida chegaria a R$ 312,14. Esse mesmo valor, na Caixa Econômica Federal estaria no final de 12 meses em R$ 165,16.
Mais do que nunca é hora de seguir em frente com os olhos bem abertos e atentos para não cair nas armadilhas do crédito preparadas para quem não ficar atento.
Até a próxima!