Card own fashion label
It is estimated that for every six credit cards in Colombia, two are own-brand stores, as it perfectly at least in every family there is a card like to purchase goods and services.
Success and Falabella stores, with 1,353,404 and 843,367 cards to May this year, are the leaders in this market. The 14 Olympic, Carrefour and Homecenter, including this segment also purchases financed fight.
And even brands such as Tennis, Gef and Punto Blanco have announced that they are considering selling strategies such as direct financing and various electronic media and do not discard the card itself.
Terrible debt
In June this year, more than 5.6 million cardholders into debt to the tune of $ 3.24 billion, which means that each spent with your plastic money in that month $ 641,580.
As published Portfolio, poor portfolio performance cards deepened in the first half of the year and raised the quality indicator 4.87% in December 2011 to 6.86% at the end of last June .
The uncontrolled use of cards begins to be reflected in the number of plastic blocked for non-payment of their monthly installments, for 1.3 million disabled temporarily in June 2011 was passed around 1.6 million this year.
Despite this, the business promises to continue growing by leaps and bounds, not only by the arrival of more entities to the market but because they are already trying to gain more space in a market that now has nearly 5.7 million
Maria Mercedes Cuellar, president of Asobancaria, says El País that credit growth will continue to moderate in the remainder of this year and in 2013, due to the slowdown in economic activity and greater caution of banks to grant loans.
However believes that credit remains attractive if used correctly. In June this year the portfolio of overdue consumer, ie, the one with a delay in payment, grew 17% and totaled $ 3.2 trillion.
The strategy of banks
From the point of view of the banks there is a good supply of credit and any time can be good to have one, but warn that the main condition is the responsibility of the user.
The recommendation of experts to analyze the rates and times before making a decision and wait for a good opportunity. Today, banks are paying on line consumer to employees on average earning from $ 1.5 million, for periods of 24 months to 60 months.
The Bbva, for example, offers a rate of 1.91% for credit to 24 months. As requirements are only working relationship and a basic remuneration of $ 1,500,000. Others like Davivienda have higher demands and ask for any credit hedge funds the user to gain a minimum of $ 2,500,000.
Worth follow these tips
Use the card as payment and not as a funding mechanism.
Do not have more than one card in your wallet.
Before making any purchase, examine whether it is strictly necessary.
Avoid charging the card all the time in your wallet, to avoid the temptation to use it.
Do not make cash advances because it is the most expensive credit for fast track.
No merque with the card. If you do, defer payment minimum number of shares
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