Retailers anticipate Unrolling and negotiate booklet debts – 07/24/2023 – Market

Although the Desenrola Brasil program will only negotiate citizens’ debts with retail companies in September, some chains came forward to announce their own renegotiation conditions. This is the case of Via, of the Casas Bahia and Ponto franchises, which will start making agreements as of this Tuesday (25).

According to the company, customers of the two brands will be able to settle the overdue amounts in the booklet with payment of the installment without interest and penalty. It will be possible to pay the debts in up to 36 installments without interest, with reduced down payment and discounts.

Via points out that it will analyze the debts individually. The retailer informs that the customer will be able to make the deal over the internet and pay with Pix on the Portal do Carnê of both brands. The action runs until August 31.

Casas Bahia’s service channels are Portal do Carnê (at this link), WhatsApp (41) 9951-2321 (at this link), the Call Center on 0800 025 8880 and the banQi application. Ponto already serves customers on its Portal do Carnê (at this link), on WhatsApp (41) 98512-0885 (at this link), at the Call Center on 0800 022 1400 and also on the banQi app.

wanted by Sheet, Magazine Luiza said that it is evaluating whether to carry out a similar action, but that it will soon announce initiatives for Consórcio Magalu customers. The company will offer two renegotiation models.

In the first, the retailer calls it “debt balance apportionment”. The sum of overdue installments is divided for payment with the rest of the purchased plan. “Thus, the customer returns to participate in the contemplation assemblies and will pay future installments with a small increase in the amount related to the settlement”, she said, in a note.

Another renegotiation model is the “Pula Parcela”, in which the customer can pay three overdue installments towards the end of the payment plan. The company says that it is possible to adhere to this model more than once. However, you are only allowed to skip three late installments at a time. In both cases, to carry out the renegotiation, the debtor’s consortium quota cannot have been contemplated.

Renner, on the other hand, said in a note that Realize CFI, its financial institution, is offering special negotiation conditions for its customers, which include a discount of up to 98% and payment in up to 48 installments on store card debts. The conditions apply to both flag and private label credit cards. Consumers interested in joining can access the Realize website (at this link).

Lojas Americanas said they have no planned initiative. Cem, Marabraz and Marisa stores did not respond until the publication of this report and C&A stated that it has not yet joined Desenrola Brasil.

In a live broadcast on July 18, President Luiz Inácio Lula da Silva (PT) stated that in September the application for retail debtors will be launched. According to him, the program could “save 72% of the population that is in debt” and this will help in the recovery of the country’s economy.

Debt with store card can be negotiated in Track 2 of Desenrola

report by Sheet published on Thursday (20) showed that store card debts can be negotiated in Track 2 of Desenrola. As they are bank debts, they fit into the current stage of the program.

What is the difference between Tracks 1 and 2 of Desenrola Brasil

Track 2 of Desenrola, which started on Monday (17), will clear the name of citizens with debts up to R$ 100. In addition, it is aimed at those who have bank debt that led to the name being negative from January 1, 2019 and remained on the list until December 31, 2022.

The participant must earn between R$2,640 (two minimum wages) and R$20,000 per month, will have a minimum period of 12 months to pay off the debt and will negotiate the amount of installments and the interest rate directly with the bank. There is no limit on the amount to be paid.

Adherence to Track 1 of Desenrola will only begin in September. It is aimed at those who receive up to R$ 2,640 per month or are enrolled in the CadÚnico (Single Registry for Social Programs of the federal government), and entered the negative list from January 1, 2019, remaining with active debt until December 31, 2022.

Tier 1 will allow you to renegotiate up to R$ 5,000 in any type of debt, as long as it is not rural credit, real estate financing, operation with funding or third-party risk, and debt with real guarantee. Payment can be made in cash or in installments over 60 months, the amount of which must exceed BRL 50, with a maximum interest rate of 1.99% per month.