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Using Borrowed Credit Cards Can Result in Huge Fines of R$180 Thousand; See How to Avoid the Loss
Lending a borrowed credit card to friends or family may seem like a quick fix when someone’s credit is denied. However, this practice can be very costly. Recently, a court ruling in Ceará caught attention by imposing a fine of R$ 180 thousand for this type of situation. Learn how to avoid this loss and what has changed with the new credit card legislation in Brazil.
Be Careful When Using Borrowed Credit Cards
Using a borrowed credit card seems harmless, but the reality is that it can cause a huge headache. This is because when someone uses another person’s card and doesn’t pay it back properly, the person who lent the card may end up having to cover all the expenses. That’s exactly what happened to a woman in Ceará, who had a fine of R$ 180 thousand imposed by the court.
The woman started using a friend’s borrowed credit card with the promise to make the payments regularly. At first, everything was going well, but over time, the payments stopped, and the cardholder was left responsible for the debts. With a mounting debt, the friend decided to go to court, and the judge ordered that the card user had 15 days to pay everything or have her assets seized.
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How Was This R$ 180 Thousand Fine Determined?
The fine imposed by the court serves as a warning for those who think using a borrowed credit card is a practice without consequences. In the mentioned case, the amount of R$ 180 thousand is the result of accumulated purchases and skyrocketing interest rates, along with penalties for delayed payments.
What many people don’t know is that if a debt incurred with someone else’s card goes unpaid, the cardholder is the one who will be initially charged. If the debt remains unresolved, the person who used the card can be sued, have their assets seized, and face hefty fines.
The Impact of the New Credit Card Law
Starting in 2024, a new law promises to bring a bit more peace of mind to consumers facing difficulties with revolving credit, known for its exorbitant interest rates in Brazil. In 2023, for example, the interest on this type of credit reached a staggering 431.6% per year. The good news is that under the new law, revolving credit interest rates cannot exceed double the original debt.
This means that if someone incurs a debt of R$ 100 on revolving credit, the maximum amount this person will pay will be R$ 200, including all interest and fees. This change is seen as a way to protect consumers, especially retirees, who are often more vulnerable to these types of debts.
How to Avoid Falling Into Traps When Using Borrowed Credit Cards
If you are thinking about using a borrowed credit card, it’s important to think twice. Besides the risk of causing financial problems for the person who lent the card, you may end up facing lawsuits and hefty fines. Here are some tips to avoid falling into traps:
Avoid Using Other People’s Credit Cards: If your credit has been denied, try to understand why and look for other ways to resolve your financial situation, such as negotiating directly with the bank.
Be Careful With Accumulated Debts: If you have already used a borrowed credit card, make sure to pay your debts on time. The longer you wait, the more the debt can grow, especially with high interest rates in Brazil.
Keep an Eye on Changes in Credit Rules: The new law regarding revolving credit can be an ally, but it doesn’t mean that using a credit card has become less risky. Always plan your finances to avoid surprises.
Using Borrowed Credit Cards Can Have Serious Consequences
The use of borrowed credit cards may seem like a temporary solution, but the consequences can be serious. With the possibility of facing a fine of up to R$ 180 thousand and having assets seized, it’s essential to think carefully before making this decision. The new law coming into effect in 2024 brings important changes to revolving credit, but it’s always better to avoid debts than to rely on these rules to not drown in interest.
Therefore, think twice before borrowing someone else’s credit card. After all, in the end, the price may be much higher than you imagine.
Comment here what you think about the use of the borrowed credit card and this story of the fine of R$ 180 thousand! Have you ever experienced a similar situation or know someone who faced problems with credit card debts?
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