Do you usually make many purchases with a card of credit, but do not know your address?
You know that it is important to know what practices or establishments you can or cannot do related to the use of credit cards as a form of payment.
Now you know 5 consumer rights (that you only read!) that you should always read.
1. It is possible for merchants to charge a different value for the product according to the payment method.
In 2016, President Michel Temer sanctioned a rule that allows establishments to change the price of a product to be paid with a letter of credit or the total value to be paid for the product according to the payment period.
Please note, the merchant may charge a value.
Therefore, merchants are obliged to keep information on the amounts charged in accordance with the form of payment clearly visible to customers.
It is established that disobeying the regulations is subject to fines provided by the CDC (Consumer Defense Code).
2. You can withdraw from online purchases without your credit card
It does not matter which payment method is used, every consumer has the right to withdraw from the purchase for any reason and without payment within 7 days.
Please note, the office is required to cancel the purchase within this period and, if any value has been paid, make the value in the customer's invoice directly in the bank account.
You only need to formalize the cancellation request with the store within a period of 7 calendar days and return the product, if you have not received it.
3. The legal supplier is obliged to respond for manufacturing defects of the product.
Please make the purchase in a physical store or online, or the seller will be responsible for any manufacturing defect of the product.
To ensure that you do not have to wait, you have 30 days to apply for exchange. For your benefit, please allow 90 days to complete the request.
Starting, the period begins to count from the date that the defect was perceived by the client.
4. Unpaid payment if your bill may be returned in cash
Many credit card users do not know, but if there is an undue collection in the credit card bill, the client cannot only request the payment value or withdrawal of the collection, but how to request the credit card and monetarily corrected with legal sworn.
This rule is provided for in article 42 of the Consumer Protection Code and is valid for any type of unpaid collection.
Also, the credit card operator is required to, in all debit collection documents, present to the consumer information such as the name, the CPF/CNPJ number of the product/service provider.
5. Minimum consumption value for purchases with credit cards are prohibited
You can buy absolutely any product of any minimum value with your credit card, even cigarettes and products that are considered “cheap”.
Nenhuma loja can force the consumer to purchase with the card of credit only above a certain value, case or payment not card is made at sight.
Likewise, the store cannot require that there be a minimum consumption by the client so that the payment with the letter of credit is accurate.
I hope that you keep this information with you, because you only read that it determines the importance of sales made by establishments and their relationships with consumers.
If you encounter any situation that contradicts the above information, demand your rights and contact Justice on the basis of no Consumer Protection Code, necessary case.