{"id":18982,"date":"2025-11-10T15:34:57","date_gmt":"2025-11-10T18:34:57","guid":{"rendered":"https:\/\/redelitoralrs.com\/?p=18982"},"modified":"2025-11-10T15:34:57","modified_gmt":"2025-11-10T18:34:57","slug":"banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento","status":"publish","type":"post","link":"https:\/\/redelitoralrs.com\/index.php\/2025\/11\/10\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\/","title":{"rendered":"Banco Central avalia proibir \u201crotativo\u201d no PIX parcelado para conter endividamento"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">O <strong>Banco Central (BC)<\/strong> estuda <strong>proibir a rotativa\u00e7\u00e3o no PIX parcelado<\/strong>, modalidade de cr\u00e9dito que permite dividir pagamentos instant\u00e2neos em parcelas. A medida tem como objetivo <strong>padronizar regras, aumentar a seguran\u00e7a dos consumidores<\/strong> e <strong>evitar o endividamento em cadeia<\/strong>, cen\u00e1rio semelhante ao observado no <strong>rotativo do cart\u00e3o de cr\u00e9dito<\/strong>, conhecido por suas altas taxas de juros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A proposta foi apresentada pelo <strong>chefe-adjunto do Departamento de Competi\u00e7\u00e3o e de Estrutura do Mercado Financeiro do BC, Breno Lobo<\/strong>, durante evento da <strong>Associa\u00e7\u00e3o Brasileira de Direito e Economia (ABDE)<\/strong>. Segundo ele, a <strong>regulamenta\u00e7\u00e3o oficial do PIX parcelado deve ser divulgada ainda em novembro<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Evitar o ac\u00famulo de d\u00edvidas<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Com a nova regra, o BC pretende <strong>impedir que consumidores com parcelas em atraso contratem novas opera\u00e7\u00f5es de cr\u00e9dito via PIX<\/strong> at\u00e9 que quitem os d\u00e9bitos existentes. A inten\u00e7\u00e3o \u00e9 <strong>evitar o \u201cempilhamento\u201d de d\u00edvidas<\/strong>, pr\u00e1tica que tem contribu\u00eddo para o aumento do endividamento das fam\u00edlias no pa\u00eds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Atualmente, o <strong>rotativo do cart\u00e3o de cr\u00e9dito<\/strong> \u00e9 uma das linhas mais onerosas do mercado, com <strong>juros m\u00e9dios pr\u00f3ximos de 15% ao m\u00eas<\/strong>, valor muito superior ao <strong>cheque especial (7,6%)<\/strong> e ao <strong>cr\u00e9dito consignado (3%)<\/strong>. O BC busca evitar que o PIX siga o mesmo padr\u00e3o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Transpar\u00eancia e acesso ao cr\u00e9dito<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mesmo com a restri\u00e7\u00e3o em estudo, <strong>as institui\u00e7\u00f5es financeiras continuar\u00e3o autorizadas a aplicar juros e multas em casos de inadimpl\u00eancia<\/strong>, desde que <strong>as condi\u00e7\u00f5es sejam informadas de forma clara e transparente<\/strong> ao consumidor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Segundo o Banco Central, o <strong>PIX parcelado deve ampliar o acesso ao cr\u00e9dito a cerca de 60 milh\u00f5es de pessoas que n\u00e3o possuem cart\u00e3o de cr\u00e9dito<\/strong>, fortalecendo o uso da ferramenta em <strong>compras no varejo<\/strong> e em <strong>outras opera\u00e7\u00f5es financeiras<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os bancos dever\u00e3o <strong>detalhar no aplicativo<\/strong> o valor de cada parcela, a <strong>taxa de juros aplicada<\/strong>, o <strong>custo total da opera\u00e7\u00e3o<\/strong> e as <strong>penalidades por atraso<\/strong>, assegurando <strong>previsibilidade e transpar\u00eancia<\/strong> no processo de contrata\u00e7\u00e3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Banco Central (BC) estuda proibir a rotativa\u00e7\u00e3o no PIX parcelado, modalidade de cr\u00e9dito que permite dividir pagamentos instant\u00e2neos em parcelas. A medida tem como objetivo padronizar regras, aumentar a seguran\u00e7a dos consumidores e evitar o endividamento em cadeia, cen\u00e1rio semelhante ao observado no rotativo do cart\u00e3o de cr\u00e9dito, conhecido por suas altas taxas de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":18983,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[246,17,15],"tags":[2781,163,2782,2189,2780],"class_list":["post-18982","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brasil","category-economia","category-noticias","tag-bancos","tag-brasil","tag-credito","tag-pix","tag-taxas-de-juros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banco Central avalia proibir \u201crotativo\u201d no PIX parcelado para conter endividamento - Rede Litoral RS<\/title>\n<meta name=\"description\" content=\"O Banco Central (BC) estuda proibir a rotativa\u00e7\u00e3o no PIX parcelado, modalidade de cr\u00e9dito que permite dividir pagamentos instant\u00e2neos em parcelas. A medida tem como objetivo padronizar regras, aumentar a seguran\u00e7a dos consumidores e evitar o endividamento em cadeia, cen\u00e1rio semelhante ao observado no rotativo do cart\u00e3o de cr\u00e9dito, conhecido por suas altas taxas de juros.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redelitoralrs.com\/index.php\/2025\/11\/10\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banco Central avalia proibir \u201crotativo\u201d no PIX parcelado para conter endividamento - Rede Litoral RS\" \/>\n<meta property=\"og:description\" content=\"O Banco Central (BC) estuda proibir a rotativa\u00e7\u00e3o no PIX parcelado, modalidade de cr\u00e9dito que permite dividir pagamentos instant\u00e2neos em parcelas. A medida tem como objetivo padronizar regras, aumentar a seguran\u00e7a dos consumidores e evitar o endividamento em cadeia, cen\u00e1rio semelhante ao observado no rotativo do cart\u00e3o de cr\u00e9dito, conhecido por suas altas taxas de juros.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/redelitoralrs.com\/index.php\/2025\/11\/10\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\/\" \/>\n<meta property=\"og:site_name\" content=\"Rede Litoral RS\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/tvlitoralrsoficial\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-10T18:34:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/redelitoralrs.com\/wp-content\/uploads\/2025\/11\/Imagem-do-WhatsApp-de-2025-11-08-as-21.34.21_678dd425.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1170\" \/>\n\t<meta property=\"og:image:height\" content=\"674\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reda\u00e7\u00e3o TV Litoral\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reda\u00e7\u00e3o TV Litoral\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/\"},\"author\":{\"name\":\"Reda\u00e7\u00e3o TV Litoral\",\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/#\\\/schema\\\/person\\\/9f8181f2a7359dd3986f05ebaf5bd68a\"},\"headline\":\"Banco Central avalia proibir \u201crotativo\u201d no PIX parcelado para conter endividamento\",\"datePublished\":\"2025-11-10T18:34:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/\"},\"wordCount\":361,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/redelitoralrs.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Imagem-do-WhatsApp-de-2025-11-08-as-21.34.21_678dd425.jpg\",\"keywords\":[\"bancos\",\"brasil\",\"cr\u00e9dito\",\"pix\",\"taxas de juros\"],\"articleSection\":[\"Brasil\",\"Economia\",\"\u00daltimas not\u00edcias\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/\",\"url\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/\",\"name\":\"Banco Central avalia proibir \u201crotativo\u201d no PIX parcelado para conter endividamento - Rede Litoral RS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/redelitoralrs.com\\\/index.php\\\/2025\\\/11\\\/10\\\/banco-central-avalia-proibir-rotativo-no-pix-parcelado-para-conter-endividamento\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/redelitoralrs.com\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Imagem-do-WhatsApp-de-2025-11-08-as-21.34.21_678dd425.jpg\",\"datePublished\":\"2025-11-10T18:34:57+00:00\",\"description\":\"O Banco Central (BC) estuda proibir a rotativa\u00e7\u00e3o no PIX parcelado, modalidade de cr\u00e9dito que permite dividir pagamentos instant\u00e2neos em parcelas. 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