Having your name registered with credit protection bodies is a reality for many Brazilians. In October 2023, almost 72 million faced this situation, according to data from Serasa.
In this challenging scenario, doubts arise about the possibility of purchasing a cell phone in installments, considering credit restrictions. Let’s explore this issue and understand what options are available for those looking for a new digital connection.
The possibility of purchasing in installments
Yes, it is possible to buy a cell phone in installments even if it has a bad name. However, this possibility is subject to some crucial factors. Firstly, it is essential to contact the desired store directly to understand their policies regarding installment purchases for consumers with credit restrictions.
Another alternative is to check whether the consumer has an active credit card with a sufficient limit for the purchase. Using the card can allow purchases to be made in installments without incurring interest, making the transaction more favorable to the consumer, even in the midst of a challenging financial situation.
Important Considerations
Before deciding to buy a cell phone in installments with a dirty name, it is essential to consider some crucial points. Assess whether purchasing the device is an immediate need or whether it can be delayed until the financial situation stabilizes. Postponing the purchase may be a more prudent option.
If the decision is to proceed with the purchase, a smart strategy is to turn your cell phone into a source of extra income. There are several opportunities, such as working with applications, selling products online, offering video editing services for digital content, among other options.
Also, when choosing a cell phone, consider older models that meet your needs. Exploring offers on used and pre-owned devices can also be an interesting alternative.
Before closing a deal, carefully analyze the payment terms offered by the store, comparing interest rates, terms and other conditions in order to make a conscious financial decision aligned with your needs.
2024-01-02 14:12:14
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