Post by account_disabled on Jan 23, 2024 10:15:32 GMT
Without any State intervention. Each supplier would continue to set the price for their product or service. You would only be obliged to be fair, clear and transparent, explicitly charging the credit card fee (which you will pay to the intermediary company) from those who actually used the system. The change would make the use of the credit card points and mileage system legitimate, with those who paid the fee for using the card receiving points. It would free millions of low-income Brazilians, those who cannot maintain a credit card account, which they pay in cash, from partially paying for bonuses, points, purchases and trips for the richest.
It is a question of social justice, which must be Buy Phone Number List carried out by the State, which has the essential role of monitoring and improving the popular economy, especially in protecting the most vulnerable. The recent Provisional Measure 764, which authorizes discounts on cash purchases, whose premise was to avoid the transfer of income from those who do not use cards to those who do (cross subsidy), is insufficient to solve the problem. To obtain the discount, the buyer needs negotiation on a case-by-case basis, which is impractical for the most vulnerable, in small amounts and in a standardized market.
Instead of protecting the low-income consumer, the government preferred to respond to the traders' requests, giving them the power to choose the opportunity to give discounts, further strengthening the power of the supplier of goods and services, contradicting the protective objectives of the Code of Consumer defense. The second point is even more serious. With the credit card points program, financial companies and intermediaries are leading buyers to unnecessary use of pseudo credit card (grace period), making a large part of buyers and service takers, who could pay in cash , go through continuous financing, thus paying a fee of up to 4% to intermediaries, forcing suppliers to increase the price to cover this expense, generating a general and continuous impact on the price system.
It is a question of social justice, which must be Buy Phone Number List carried out by the State, which has the essential role of monitoring and improving the popular economy, especially in protecting the most vulnerable. The recent Provisional Measure 764, which authorizes discounts on cash purchases, whose premise was to avoid the transfer of income from those who do not use cards to those who do (cross subsidy), is insufficient to solve the problem. To obtain the discount, the buyer needs negotiation on a case-by-case basis, which is impractical for the most vulnerable, in small amounts and in a standardized market.
Instead of protecting the low-income consumer, the government preferred to respond to the traders' requests, giving them the power to choose the opportunity to give discounts, further strengthening the power of the supplier of goods and services, contradicting the protective objectives of the Code of Consumer defense. The second point is even more serious. With the credit card points program, financial companies and intermediaries are leading buyers to unnecessary use of pseudo credit card (grace period), making a large part of buyers and service takers, who could pay in cash , go through continuous financing, thus paying a fee of up to 4% to intermediaries, forcing suppliers to increase the price to cover this expense, generating a general and continuous impact on the price system.