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Based on Law 14.690 and CMN Standards, the New Government Program Limits Rotating Credit to Double, Encourages Portability for Lower Interest Rates, and Transforms Debt Renegotiation Into a Dispute Between Banks for the Indebted Client, Previously Trapped in the Credit Card Snowball in Brazil
Since the enactment of Law 14.690/2023, known as the Desenrola Law, and its regulation by CMN Resolution 5.112/2023, effective for debts incurred from January 2024 onward, the new government program has imposed a definitive cap on the growth of credit card debts in the country. On December 21, 2025, with the rules already consolidated, the combination of law and resolution ceased to be a one-off promise and began to operate as a permanent rule for banks and card issuers.
In practice, this means that the old logic of unlimited compound interest has been replaced by an objective limit: the total debt cannot exceed double the originally spent amount. At the same time, the new government program strengthens debt portability and creates incentives for financial institutions to compete for the debtor by offering lower interest rates, more predictable conditions, and digital renegotiation channels with clearer language.
How the New Government Program Stops the Snowball Effect of Rotating Credit
The central axis of the new government program is the interest cap on rotating credit and installment payment, as provided in CMN Resolution 5.112/2023.
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The rule is straightforward: the sum of interest and charges cannot exceed 100 percent of the principal amount, preventing a relatively small debt from turning into an unpayable liability after a few months.
In a typical simulation, a credit card debt of R$ 1,000 that, under the old scenario, could reach about R$ 5,300 in a year, is now capped at R$ 2,000.
The difference is that the math no longer works exclusively in favor of the bank and now establishes a clear limit on the consumer’s loss.
Once the cap is reached, the institution cannot continue accumulating interest on interest indefinitely.
This cap changes the logic of collection. Instead of betting on the inertia of the indebted individual and allowing the balance to grow without a horizon, the creditor becomes interested in negotiating the principal as soon as possible, offering discounts or more rational payment plans.
The new government program transforms the old credit card snowball into a known maximum level in advance, making it easier for family planning and assessing whether or not to accept an offer.
What Changes in Renegotiation With Banks and Credit Cards
With the cap of 100 percent of the consolidated principal, the new government program alters the balance of power at the negotiation table.
The bank knows it cannot multiply the debt limitlessly, and the debtor has a concrete figure to discuss instead of fearing an ever-increasing bill the following month.
In practice, this opens the door for more aggressive settlement or refinancing agreements.
When the institution realizes there is no longer legal space to make the debt grow, the alternative is to expedite payments by offering discounts or reorganizing deadlines.
The consumer, in turn, can compare conditions more confidently, knowing that any proposal must respect the ceiling established by Resolution 5.112.
The new government program also encourages these negotiations to occur through digital channels, reducing bureaucracy and allowing the debtor to monitor, in real-time, payment simulations, the effective total cost, and the impact of installments on the monthly budget.
The transparency of the rule helps to identify proposals that genuinely reduce interest and charges from those that merely reorganize the debt without any real benefit.
Debt Portability: How to Move the Balance to Lower Interest Rates
Another pillar of the new government program is the strengthening of credit portability.
The legislation allows the client to transfer their credit card or overdraft debt from one bank to another that offers lower interest rates, without charging a fee for migration.
If Bank A maintains high rates and Bank B presents a cheaper offer to pay off the same balance, the consumer has the right to migrate the operation.
In this mechanism, the original bank is required to accept early settlement by the competitor or make a counteroffer.
The desired effect is to create a kind of rate war in which the debtor is no longer hostage to a single institution and can choose where to maintain their debt.
With the rotating cap functioning as an upper limit, the competition shifts to who can offer the lowest total cost over time.
The new government program also makes portability more visible to the public by encouraging banking apps and negotiation sites to display conditions in a comparable manner.
This helps the consumer to identify whether the proposal from another bank genuinely reduces the interest rate or merely extends the term while keeping the total cost high.
Where to Negotiate: Participating Banks and Official Agreement Channels
All major banks and financial institutions regulated by the Central Bank must adhere to the guidelines of Law 14.690/2023 and the CMN norms that sustain the new government program.
This is not a benefit limited to one or two institutions, but a set of system rules that reach traditional and digital card issuers.
The most commonly used channels for renegotiation include official apps, specific negotiation sites, verified WhatsApp support, and call centers.
In many cases, apps have begun to feature exclusive tabs for “Negotiate Debts” or “Renegotiate Card”, where the client can view the updated balance, the impact of the interest cap, and options for upfront or installment payments.
Additionally, the negotiation campaigns organized by Febraban and the federal government continue to operate, mainly through the Consumidor.gov.br platform.
There, the debtor accesses the system with their Gov.br account, locates pending issues with financial institutions, and opens a structured complaint to request proposals within the rules of the new government program.
How to Use the New Government Program in Day-to-Day Practice
From the consumer’s perspective, taking advantage of the new government program requires some concrete steps.
First, it is necessary to identify all active credit card debts and check which debts were incurred from January 2024 onward, the range directly covered by the new rules on rotating credit and installment payments.
Next, the ideal is to use the digital channels of the bank itself to request a detailed statement, indicating the principal amount, interest, charges, and application of the 100 percent cap.
With these numbers in hand, it becomes easier to evaluate whether the renegotiation or portability proposal actually generates savings or merely reorganizes the balance into more installments.
By participating in campaigns or registering requests on Consumidor.gov.br, the consumer can expressly mention that they seek an offer in accordance with Law 14.690/2023 and CMN Resolution 5.112/2023, demonstrating knowledge of the framework that supports the new government program. This stance tends to accelerate the response and reduce attempts to push disadvantageous agreements.
In light of this scenario where the new government program limits the credit card snowball and encourages portability with lower interest rates, do you intend to use the new rules to negotiate your active debts, or do you believe that practical information is still lacking to be able to sit with the bank on equal terms?
Está aí mais um incentivo para o calote. Compro, não pago e não podem me cobrar juros. Legal.
Posso comprar hoje para pagar daqui a 58 meses e o valor só pode ser o dobro que gastei. Muito bom para o caloteiro.
Isso é uma vergonha.