{"id":1483,"date":"2025-09-30T17:03:52","date_gmt":"2025-09-30T20:03:52","guid":{"rendered":"https:\/\/holfik.com\/inadimplencia-no-cartao-de-credito-rotativo-cresce\/"},"modified":"2025-09-30T17:03:52","modified_gmt":"2025-09-30T20:03:52","slug":"inadimplencia-no-cartao-de-credito-rotativo-cresce","status":"publish","type":"post","link":"https:\/\/holfik.com\/fr\/inadimplencia-no-cartao-de-credito-rotativo-cresce\/","title":{"rendered":"Les impay\u00e9s sur les cartes de cr\u00e9dit renouvelables augmentent"},"content":{"rendered":"<p><strong>D\u00e9faut sur la carte<\/strong> Le cr\u00e9dit renouvelable est devenu une pr\u00e9occupation croissante dans le sc\u00e9nario \u00e9conomique br\u00e9silien.<\/p>\n<p>Avec des taux d\u00e9passant 60%, l&#039;augmentation du total pr\u00eat\u00e9 pour ce type de cr\u00e9dit, qui a atteint 79,4 milliards de R$, met en \u00e9vidence la fragilit\u00e9 financi\u00e8re des familles.<\/p>\n<p>Cet article examine l&#039;augmentation alarmante des d\u00e9fauts de paiement, tant sur les cartes de cr\u00e9dit renouvelables que sur les cartes \u00e0 versements \u00e9chelonn\u00e9s, et analyse la mani\u00e8re dont les facteurs \u00e9conomiques et comportementaux contribuent \u00e0 la vuln\u00e9rabilit\u00e9 financi\u00e8re des individus.<\/p>\n<p>Nous aborderons \u00e9galement les cons\u00e9quences d\u2019un recours insoutenable au cr\u00e9dit, exacerb\u00e9 par des taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s, et son impact sur la qualit\u00e9 de vie des personnes endett\u00e9es.<\/p>\n<h2>Aper\u00e7u des d\u00e9fauts de paiement sur les cr\u00e9dits renouvelables et \u00e0 temp\u00e9rament<\/h2>\n<p>Les d\u00e9fauts de paiement sur les _cr\u00e9dits renouvelables_ au Br\u00e9sil ont d\u00e9pass\u00e9 <strong>60%<\/strong>, un reflet alarmant des conditions \u00e9conomiques difficiles auxquelles sont confront\u00e9s les Br\u00e9siliens.<\/p>\n<p>Le montant emprunt\u00e9 au titre du _cr\u00e9dit renouvelable_ a atteint <strong>R$ 79,4 milliards<\/strong>, ce qui repr\u00e9sente une augmentation de 30,8% par rapport \u00e0 d\u00e9cembre 2024. Ce type de cr\u00e9dit consiste en un pr\u00eat \u00e0 court terme auquel les utilisateurs peuvent acc\u00e9der lorsqu&#039;ils ne sont pas en mesure de payer la totalit\u00e9 de leur facture de carte de cr\u00e9dit.<\/p>\n<p>Avec l&#039;int\u00e9r\u00eat qui peut d\u00e9passer <u><strong>300% par an<\/strong><\/u>, cela devient insoutenable, aggravant la situation financi\u00e8re des consommateurs.<\/p>\n<p>En ce qui concerne le cr\u00e9dit \u00e0 temp\u00e9rament, le d\u00e9faut de paiement est pass\u00e9 de 11,5% \u00e0 13,2% au cours de la m\u00eame p\u00e9riode d&#039;un an.<\/p>\n<p>Cette modalit\u00e9 permet aux consommateurs de payer leurs achats en plusieurs versements, g\u00e9n\u00e9ralement avec des taux d&#039;int\u00e9r\u00eat plus bas que le cr\u00e9dit renouvelable.<\/p>\n<ul>\n<li>Le d\u00e9faut de paiement des cartes de cr\u00e9dit est pass\u00e9 de 11,5% \u00e0 13,2%<\/li>\n<li>La d\u00e9linquance sur le _cr\u00e9dit renouvelable_ est pass\u00e9e de 55,4% \u00e0 60,5%<\/li>\n<li>La dette des personnes gagnant jusqu&#039;\u00e0 trois salaires minimums est pass\u00e9e de 5,4% \u00e0 6,7%<\/li>\n<\/ul>\n<p>Ces chiffres refl\u00e8tent la vuln\u00e9rabilit\u00e9 croissante des familles br\u00e9siliennes, qui doivent faire face \u00e0 des taux d\u2019int\u00e9r\u00eat disproportionn\u00e9s, compromettant leur revenu disponible et impactant la qualit\u00e9 de vie de la population. <a href=\"https:\/\/veja.abril.com.br\/economia\/inadimplencia-no-cartao-de-credito-rotativo-supera-60-e-emprestimos-batem-recorde\/\" alt=\"Site da VEJA sobre a inadimpl\u00eancia do cart\u00e3o de cr\u00e9dito\">tel que rapport\u00e9 par VEJA<\/a>.<\/p>\n<h2>Impacts \u00e9conomiques et comportementaux des taux de d\u00e9faut \u00e9lev\u00e9s<\/h2>\n<p>Les taux \u00e9lev\u00e9s de d\u00e9faut de paiement des cartes de cr\u00e9dit ont eu des r\u00e9percussions importantes sur l\u2019\u00e9conomie et le comportement des familles.<\/p>\n<p>La difficult\u00e9 croissante \u00e0 rembourser ses dettes compromet la consommation et la confiance des consommateurs, cr\u00e9ant un cycle auto-entretenu qui intensifie la vuln\u00e9rabilit\u00e9 financi\u00e8re.<\/p>\n<p>En cons\u00e9quence, de nombreuses personnes se heurtent \u00e0 des difficult\u00e9s pour obtenir du cr\u00e9dit, ce qui entrave leur acc\u00e8s aux biens et services essentiels.<\/p>\n<h2>Facteurs qui alimentent la croissance des d\u00e9fauts de paiement<\/h2>\n<p>Une inflation \u00e9lev\u00e9e et un ch\u00f4mage en hausse sont des facteurs \u00e9conomiques cruciaux qui entra\u00eenent des d\u00e9fauts de paiement des cartes de cr\u00e9dit.<\/p>\n<p>L&#039;inflation \u00e9rodant le pouvoir d&#039;achat, de nombreux consommateurs sont contraints de recourir au cr\u00e9dit renouvelable, dont les taux d&#039;int\u00e9r\u00eat peuvent d\u00e9passer <strong>300% par an<\/strong>.<\/p>\n<p>De plus, le taux de ch\u00f4mage, qui demeure \u00e9lev\u00e9, contribue \u00e0 l&#039;instabilit\u00e9 financi\u00e8re des familles, ce qui impacte consid\u00e9rablement leur capacit\u00e9 \u00e0 rembourser leurs dettes. ***Une \u00e9ducation financi\u00e8re limit\u00e9e*** joue \u00e9galement un r\u00f4le important.<\/p>\n<p>De nombreux utilisateurs ne comprennent pas les risques du cr\u00e9dit renouvelable, ce qui conduit \u00e0 une spirale d\u2019endettement.<\/p>\n<p>\u00ab Selon l&#039;\u00e9conomiste Carlos Silva, ***&#039;le manque de compr\u00e9hension de la composition des int\u00e9r\u00eats et l&#039;absence de planification financi\u00e8re entra\u00eenent des d\u00e9cisions erron\u00e9es qui augmentent les d\u00e9fauts de paiement***&#039; \u00bb, renfor\u00e7ant l&#039;importance des connaissances financi\u00e8res pour \u00e9viter l&#039;utilisation excessive du cr\u00e9dit.<\/p>\n<p>Sur le plan comportemental, la consommation effr\u00e9n\u00e9e de cr\u00e9dit est aliment\u00e9e par une recherche d\u2019am\u00e9liorations imm\u00e9diates de la qualit\u00e9 de vie, sans tenir compte de l\u2019impact \u00e0 long terme, comme le d\u00e9taille le portail sp\u00e9cialis\u00e9 <a href=\"https:\/\/www.cartaoatacadao.com.br\/blog\/educacao-financeira\/o-que-e-credito-rotativo\/\" alt=\"Como o cart\u00e3o Atacad\u00e3o pode orientar suas finan\u00e7as\">Carte Atacad\u00e3o<\/a>, mettant en garde contre la gestion imprudente des finances personnelles.<\/p>\n<h2>Cons\u00e9quences sur la qualit\u00e9 de vie et le revenu disponible<\/h2>\n<p>Le d\u00e9faut de paiement des cartes de cr\u00e9dit affecte directement la qualit\u00e9 de vie des consommateurs, car l&#039;engagement de revenus en int\u00e9r\u00eats pouvant d\u00e9passer 300% par an d\u00e9t\u00e9riore la capacit\u00e9 \u00e0 r\u00e9pondre aux besoins de base.<\/p>\n<p>Avec l\u2019augmentation des d\u00e9penses financi\u00e8res, les d\u00e9penses fixes telles que <u>nourriture, logement et \u00e9pargne<\/u> sont laiss\u00e9s \u00e0 l\u2019arri\u00e8re-plan, conduisant les familles \u00e0 des situations de grande vuln\u00e9rabilit\u00e9 sociale.<\/p>\n<p>\u00c0 mesure que les d\u00e9fis \u00e9conomiques s\u2019intensifient, la pression sur les revenus, en particulier parmi les groupes gagnant jusqu\u2019\u00e0 trois salaires minimums, devient plus forte.<\/p>\n<p>Pour mieux comprendre les impacts de ces enjeux, les effets se manifestent de plusieurs mani\u00e8res :<\/p>\n<ol>\n<li>Diminution de la capacit\u00e9 \u00e0 acqu\u00e9rir des aliments de qualit\u00e9<\/li>\n<li>Appauvrissement des conditions de logement<\/li>\n<li>Impossibilit\u00e9 d&#039;\u00e9pargner, aggravation de l&#039;ins\u00e9curit\u00e9 financi\u00e8re<\/li>\n<\/ol>\n<p>Les consommateurs, selon l\u2019analyse des causes et des cons\u00e9quences discut\u00e9es dans <a href=\"https:\/\/revista.fatectq.edu.br\/interfacetecnologica\/article\/download\/1790\/972\" alt=\"Rela\u00e7\u00e3o entre o uso do cart\u00e3o e o endividamento brasileiro\">relation entre l&#039;utilisation de la carte et la dette br\u00e9silienne<\/a>, rencontrent des difficult\u00e9s pour honorer leurs engagements.<\/p>\n<p><u>Le poids de cette dette<\/u>, comme le soulignent les analyses \u00e9conomiques, intensifie un cycle de pauvret\u00e9 o\u00f9 de plus en plus de ressources sont allou\u00e9es uniquement au paiement d\u2019int\u00e9r\u00eats abusifs au d\u00e9triment d\u2019autres besoins fondamentaux.<\/p>\n<p>Par cons\u00e9quent, pour \u00e9viter des sacrifices extr\u00eames, il est essentiel de rechercher des solutions financi\u00e8res planifi\u00e9es.<\/p>\n<h2>Endettement des familles dont les revenus atteignent jusqu&#039;\u00e0 trois salaires minimums<\/h2>\n<p>L&#039;augmentation de <strong>ratio d&#039;endettement<\/strong> parmi les familles gagnant jusqu&#039;\u00e0 trois salaires minimums, passant de <strong>5,4%<\/strong> \u00e0 <strong>6,7%<\/strong>, met en \u00e9vidence la pression croissante sur le budget de ces familles.<\/p>\n<p>Cette forte croissance refl\u00e8te non seulement l\u2019inflation et la hausse du co\u00fbt de la vie, mais aussi la surutilisation et la d\u00e9pendance aux pr\u00eats tels que le cr\u00e9dit renouvelable.<\/p>\n<p>Avec des int\u00e9r\u00eats annuels pouvant d\u00e9passer <strong>300%<\/strong>Les familles \u00e0 faible revenu se retrouvent dans une spirale d\u2019endettement, ce qui rend difficile la satisfaction des besoins de base tels que la nourriture et le logement.<\/p>\n<p>Cela rend ces familles <u>vuln\u00e9rables sur le plan socio\u00e9conomique<\/u>, obligeant \u00e0 orienter les r\u00e9serves financi\u00e8res vers le remboursement de la dette plut\u00f4t que vers des investissements dans l\u2019\u00e9ducation et la sant\u00e9.<\/p>\n<p>Selon <a href=\"https:\/\/pequenoexemplolink.com\" alt=\"\u00edndices de endividamento familiar\">CNC<\/a>, cette situation s\u2019aggrave lorsque l\u2019on consid\u00e8re la r\u00e9duction du revenu disponible due \u00e0 la hausse des taux d\u2019int\u00e9r\u00eat.<\/p>\n<table>\n<thead>\n<tr>\n<th>Ann\u00e9e<\/th>\n<th>Ratio d&#039;endettement<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2024<\/td>\n<td><strong>5,4%<\/strong><\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td><strong>6,7%<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Les cons\u00e9quences de cette situation comprennent une augmentation de la demande de cr\u00e9dit renouvelable et un engagement disproportionn\u00e9 du revenu familial, augmentant encore le risque de d\u00e9faut de paiement.<\/p>\n<h2>Int\u00e9r\u00eats du cr\u00e9dit renouvelable et viabilit\u00e9 financi\u00e8re<\/h2>\n<p>Les consommateurs br\u00e9siliens sont confront\u00e9s \u00e0 des d\u00e9fis importants en mati\u00e8re de durabilit\u00e9 financi\u00e8re en raison des taux d\u2019int\u00e9r\u00eat exorbitants sur les cr\u00e9dits renouvelables.<\/p>\n<p>En septembre 2025, les int\u00e9r\u00eats du cr\u00e9dit renouvelable ont atteint un niveau alarmant de 451,5% par an, ce qui rend le recours \u00e0 ce type de cr\u00e9dit <u><strong>extr\u00eamement insoutenable<\/strong><\/u>.<\/p>\n<p>Ces taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s entra\u00eenent une accumulation rapide de la dette, aggravant les d\u00e9fauts de paiement et compromettant davantage la capacit\u00e9 des familles \u00e0 consommer.<\/p>\n<p>Comme analys\u00e9 dans un article de <a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-09\/juros-do-cartao-de-credito-rotativo-avancam-e-chegam-4515-ao-ano\" alt=\"Juros avan\u00e7am\">Agence du Br\u00e9sil<\/a>La gestion financi\u00e8re devient compliqu\u00e9e lorsqu\u2019une part importante du revenu est consacr\u00e9e au remboursement des dettes de carte de cr\u00e9dit.<\/p>\n<p>Un \u00e9conomiste le d\u00e9crit ainsi : \u00ab L\u2019incapacit\u00e9 \u00e0 rembourser un solde en totalit\u00e9 entra\u00eene les consommateurs dans une spirale d\u2019int\u00e9r\u00eats, o\u00f9 chaque retard de paiement ou paiement minimum transforme des dettes g\u00e9rables en fardeaux insurmontables. \u00bb<\/p>\n<p>Cette pression s&#039;accro\u00eet, comme on le voit dans les institutions financi\u00e8res qui refl\u00e8tent la <a href=\"https:\/\/www.bcb.gov.br\/estatisticas\/juros-cartao-de-credito\" alt=\"Propor\u00e7\u00e3o de Juros\">risque \u00e9lev\u00e9 de d\u00e9faut<\/a>, l\u2019endettement excessif a un effet n\u00e9gatif sur la qualit\u00e9 de vie.<\/p>\n<p>En fin de compte, les taux d\u2019int\u00e9r\u00eat exorbitants nuisent au bien-\u00eatre des familles, limitant consid\u00e9rablement leurs capacit\u00e9s financi\u00e8res et leur pouvoir d\u2019achat.<\/p>\n<p><strong>En conclusion<\/strong>Le taux \u00e9lev\u00e9 de d\u00e9faut de paiement des cartes de cr\u00e9dit renouvelables refl\u00e8te une situation \u00e9conomique pr\u00e9occupante, o\u00f9 les familles sont confront\u00e9es \u00e0 des difficult\u00e9s consid\u00e9rables. Il est essentiel de trouver des solutions pour promouvoir l&#039;\u00e9ducation financi\u00e8re et proposer des alternatives de cr\u00e9dit \u00e9quitables, afin d&#039;am\u00e9liorer la qualit\u00e9 de vie et la sant\u00e9 financi\u00e8re de la population.<\/p>","protected":false},"excerpt":{"rendered":"<p>A inadimpl\u00eancia no cart\u00e3o de cr\u00e9dito rotativo tem se tornado uma preocupa\u00e7\u00e3o crescente no cen\u00e1rio econ\u00f4mico brasileiro. Com \u00edndices ultrapassando 60%, o aumento no total emprestado para essa modalidade de cr\u00e9dito, que chegou a R$ 79,4 bilh\u00f5es, destaca a fragilidade financeira das fam\u00edlias. Este artigo explora o crescimento alarmante da [&hellip;]<\/p>","protected":false},"author":10,"featured_media":1482,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[203],"tags":[964,965,915],"class_list":["post-1483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financa","tag-cartao-de-credito","tag-credito-rotativo","tag-inadimplencia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Inadimpl\u00eancia no Cart\u00e3o de Cr\u00e9dito Rotativo Cresce - Holfik<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/holfik.com\/fr\/inadimplencia-no-cartao-de-credito-rotativo-cresce\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inadimpl\u00eancia no Cart\u00e3o de Cr\u00e9dito Rotativo Cresce - Holfik\" \/>\n<meta property=\"og:description\" content=\"A inadimpl\u00eancia no cart\u00e3o de cr\u00e9dito rotativo tem se tornado uma preocupa\u00e7\u00e3o crescente no cen\u00e1rio econ\u00f4mico brasileiro. Com \u00edndices ultrapassando 60%, o aumento no total emprestado para essa modalidade de cr\u00e9dito, que chegou a R$ 79,4 bilh\u00f5es, destaca a fragilidade financeira das fam\u00edlias. 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