Ukwanda kokuthengwa kwabathengi kuluntu, kunye nokunqongophala kolwazi malunga neemveliso ezigqityiweyo zemali ngamaqumrhu ebhanki athi avele okanye anyanzelise ukuba athengwe, njengamakhadi etyala ahlehlisiwe, kubangela ukuba iintsapho ezininzi zibe sematyaleni ngokugqithisileyo.
Ngokubhekiselele koku, i-ASUFIN, uMbutho wabaSebenzi beZimali, igxeka ngalo Lwesihlanu ukuba amaqumrhu afana neCaixaBank abeka phambili amakhadi arhoxisiweyo njengenye indlela yemveli kumakhadi ebhanki aqhelekileyo, nto leyo eyenza kube lula kubasebenzisi ukuba bafumane ikhredithi eluncedo nebiza imali eninzi, ngee-APRs ezifikelelayo. amanani asondele kwi-20%.
Eli liqumrhu lebhanki, lazisa umbutho, lithatha indawo yamakhadi e-debit ngaphandle kweekhomishini, ngokufumaneka kwabathengi bayo abadibeneyo, kwi-MyCard, kwi-modality "deferred". Uhlobo lwekhadi elikwirada yoMyalelo weTyala woMthengi kwixesha elizayo ukuxelisa inkqubo 'yokuthenga ngoku, bhatala kamva' - i-BNPL yesishunqulelo sayo ngesiNgesi – esimema umboleki ukuba abe sematyaleni ngokugqithisileyo.
Ikhadi lokuhamba, njengesixhobo sokulawula inkcitho, ngumlinganiselo wokuphepha ukuboleka ngokugqithisileyo ngokuhlawula ukuthenga kwiibhalansi. Ngelixa amakhadi edebhithi ahlehlisiwe avumela ukuthenga ngaphezulu kwebhalansi, ngenxa yokwahlulahlula imisebenzi ngexesha lokuthenga nasemva koko.
Umntu ochaphazelekayo uphakanyisiwe
I-ASUFIN ichonge amakhadi amaninzi kwimarike, anenzala ephezulu kwaye isondele kulawo etyala elijikelezayo, angangeni kwicandelo lokutsalwa kwemali (inkcitho eyenziweyo ihlawuliswa ngokuzenzekelayo kwiakhawunti yomsebenzisi) okanye ngetyala eliqhelekileyo (indleko eyenziweyo ihlawulwe. ekupheleni kwenyanga). Izinga letyala elirhoxisiweyo leCaixaBank Mycard ine-APR yokwenyani ye-19,26%; Phakathi kwemixube, kukho i-Visa Dual, esuka KutxaBank, ene-APR ye-21,31%, kunye ne-All in One, esuka kwi-Banco Santander, ene-APR ye-19,56%. I-Ibercaja ithengisa ikhredithi evumela ukuhlaliswa kwexesha elifutshane, iveki enye, kwi-11,41% APR.
Ummiselo
I-ASUFIN ithumele i-BEUC (umbutho wabathengi baseYurophu) kunye neFinancial Watch uxwebhu oluneziphakamiso ezibhekiswe kwiKhomishini yaseYurophu ukulawula la makhadi kwixesha elizayo le-Consumer Credit Directive.
Umbutho wazisa ukuba ukunyuka kwezi mveliso zintsha kukuba iibhanki aziphumeleli kunye nolawulo lwengqokelela kunye neentlawulo, kodwa kunye nentlawulo yentlawulo, ekubeni umthengisi uhlawulwa ngokukhawuleza ngelixa umsebenzisi ehlawuliswa isixa sokuthenga kwi-akhawunti yakho. emva kweeyure ezingama-48, ezisaxhasa ngemali umthengisi.
Ukongeza, kwimeko yekhadi leMycard, lixhomekeke kwinto yokuba ithathe indawo yesiqhelo, kuba iye yabiza kakhulu ngelixa ideferred debit isimahla. Ngokukodwa, ixabiso lomrhumo we-debit kwi-CaixaBank yi-36 euro ngonyaka kwaye umrhumo we-debit yi-48 euro ngonyaka.
Oku kuchasene nenyaniso yokuba ikhadi ledebhithi kufuneka libe lilungelo: akukho bhanki inokwala ukunika ikhadi lasebhankini. Ngesi sizathu, umbutho ucela ukuba iEuropean Consumer Credit Directive entsha ibophelele ngokuphandle ukunika ikhadi lesiqhelo lokutsalwa, elikhuphisana ngokulinganayo nolu hlobo lwekhadi kwaye ixabiso lolondolozo alimeli nto ithintelayo.
ilahleko yolwazi
I-ASUFIN ikwandulula ukuba i-EU ibazise ngokwaneleyo abathengi ngomngcipheko abawuthathayo ngokuba nekhadi elinamathuba amaninzi okuvula iindlela ezinzima zetyala.
