Kuwonjezeka kwa anthu ogula zinthu, komanso kusowa kwa chidziwitso pazachuma zomwe mabungwe amabanki amapeza kapena kukakamiza kuti zigulidwe, monga makhadi obwereketsa, zikuchititsa kuti mabanja ambiri azikhala ndi ngongole zambiri.
Pachifukwa ichi, ASUFIN, Association of Financial Users, ikudzudzula Lachisanu lino kuti mabungwe monga CaixaBank akuika patsogolo makhadi omwe asinthidwa ngati njira yachibadwidwe m'malo mwa makhadi wamba, zomwe zimapangitsa kuti zikhale zosavuta kwa ogwiritsa ntchito kupeza ngongole zothandiza komanso zodula, ndi ma APR omwe amafika. ziwerengero pafupifupi 20%.
Ili ndi bungwe la banki, limadziwitsa bungwe, ndilolowa m'malo mwa makhadi a debit popanda ma komisheni, pakupezeka kwa makasitomala omwe amalumikizana nawo, pa MyCard, chifukwa cha "deferred" modality. Mtundu wa khadi lomwe lili pa radar yamtsogolo ya Consumer Credit Directive potengera kachitidwe ka 'kugula tsopano, kulipira pambuyo pake' - BNPL pamawu ake achingelezi mu Chingerezi - yomwe imayitanitsa ogula kukhala ndi ngongole zambiri.
The flow card, monga chida chowongolera ndalama, ndi muyeso wopewa kukhala ndi ngongole zambiri polipira zogula pamabalance. Ngakhale makhadi obwereketsa ochedwetsedwa amalola kugula pamlingo wokwanira, chifukwa cha kuthekera kogawanitsa ntchito panthawi yogula ndi pambuyo pake.
Wokhudzidwayo akwezedwa
ASUFIN yapeza makhadi angapo pamsika, okhala ndi chiwongola dzanja chokwera komanso pafupi ndi omwe amabwereketsa ngongole, omwe samalowa mgulu la debit (ndalama zomwe zimaperekedwa zimangoperekedwa ku akaunti ya wogwiritsa ntchito) kapena ngongole wamba (ndalama zomwe zidaperekedwa zathetsedwa. kumapeto kwa mwezi). Chiwongola dzanja chochedwetsedwa cha CaixaBank Mycard chili ndi APR yeniyeni ya 19,26%; Mwa ma hybrids, pali Visa Dual, yaku KutxaBank, ndi APR ya 21,31%, ndi All in One, yochokera ku Banco Santander, ndi APR ya 19,56%. Ibercaja imagulitsa ngongole yomwe imalola kukhazikika kwakanthawi kochepa, sabata imodzi, pa 11,41% APR.
Malangizo
ASUFIN yatumiza BEUC (bungwe la ogula ku Europe) ndi Finance Watch chikalata chokhala ndi malingaliro opita ku European Commission kuti iziwongolera makhadiwa m'tsogolomu Consumer Credit Directive.
Mgwirizanowu umadziwitsa kuti kukwera kwa zinthu zatsopanozi ndikuti mabanki samapambana ndi kasamalidwe ka zosonkhetsa ndi zolipira, koma ndi kubweza kobweza, popeza wogulitsa amalipidwa nthawi yomweyo pomwe wogwiritsa ntchito amalipiritsa ndalama zomwe wagula mu akaunti yanu. pambuyo pa maola 48, omwe akuperekabe ndalama kwa wogulitsa.
Kuonjezera apo, pa Mycard khadi, ili m'malo mwa debit wamba, popeza yakhala yokwera mtengo pamene deferred debit ndi yaulere. Makamaka, mtengo wa chindapusa ku CaixaBank ndi ma euro 36 pachaka ndipo chindapusa ndi ma euro 48 pachaka.
Izi zikuphwanya mfundo yakuti kirediti kadi iyenera kukhala yolondola: palibe banki yomwe ingakane kupereka kirediti kadi. Pachifukwachi, bungweli limapempha kuti European Consumer Credit Directive yatsopano ikakamizika kupereka khadi la ngongole lachizolowezi, lomwe limapikisana mofanana ndi mtundu wotere wa khadi komanso kuti mtengo wokonza siimayimira chinthu cholepheretsa.
kutaya chidziwitso
ASUFIN ikufunanso kuti EU idziwitse ogula mokwanira za chiwopsezo chomwe angakhale nacho pokhala ndi makhadi omwe ali ndi mwayi wambiri woyambitsa mitundu yotopetsa yangongole.
