The legislation requiring customers to customers should include information on the interest rate accused on the credit card and the maximum rate valid in the current period, protects the Consumer Protection Association.
DECO’s Financial Protection Department, Natalia Nunes, in 2010, law, legitimate loan, consumer credit and credit cards (annual charges of global charges), but it will be launched to protect the reinforcement of data.
“It would be important to report to the TAEG (credit card) to the consumers, and it would be important to send information about contracted TAEG and send information about the Maximum Taegin (Banco de Portugal determined by Banco de Portugal.”
As an example, Taeg, which has more than 19.2% of 19.2% in the second quarter of this year, says that it is highly current credit cards and the second quarter of this year, and the situation is often stayed frequently.
The DECO’s Financial Protection Department coordinator will be similar to the legislation in banks in January, every year, the rules of the legislation to send a detailed commissions extract in all commissions.
This extract shows the interest rate or the interest rate applied to each service or for each service or the interest rate or division commission applied to the unit commission used or used for each service.
In case of credit cards, sending information about the contractual interest rate, will allow the consumer to understand whether the consumer is higher than the maximum interest rate determined in the quarter.
According to Deco, consumer retain or report the contract and report the contract and the contract would be more tools. To cancel the credit card, the customer has to pay completely (for many people, for many people, thousands of euros rose to thousands of euros).
In addition to this maximum rate, credit cards are easily liable to situations that customers think that they do not expect or understand or understand or understand.
Mariana Albuquerque told Lusa that he was subscribed to a credit card, but do not think it was no value. However, after months later, the commissions were accused of activating the commissions and had contacted, it was in the contract.
To download diffusion Up to 0.8% from the housing loan, Miguel Santos, said he accepted a credit card that would spend 1500 euros per month. Every month I spent this money, but I fully paid the debt, the interest was not accused. But over the years, there are a few months when you forget to forget the costs with a card diffusion For these months, hundreds of euros have to pay more for housing loans. There are cases that the legal decisions of the banks are questioning the legality.
Sofia Silva has launched a credit card for 20 years with an annual interest rate of 18.24% and “very high”. At the height of the pandemic, the bank initiated this card to unilaterally and replace it with another (less than the previous person and less benefits). However, the bank maintained the previous card rate.
When the exchange understood, the client complained to the bank, for the maximum extent was maximum of 18.24%. However, the bank claimed that the previous rate was reliable.
