SOMENTE LUCRO! - ECONOMISTA CONTA A PROPOSTA MAIS SURREAL QUE JÁ OUVIU DE SEU BANCO; 
Autor: Rubens Savaris Leal | Publicado: 2016-07-11T16:55:00-04:00

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“JAMAIS FAÇAM ISSO” Muitos bancos tentam buscar lucro com seus clientes por
péssimos caminhos.







A assessora de investimentos Carrollyne Mariano está
bastante acostumada a ouvir seus clientes comentarem sobre péssimos negócios
financeiros que os bancos de varejo tentam vender a eles. No entanto, ela mesma
já foi “convidada”por seu banco a fazer um péssimo investimento com seu
dinheiro uma vez.

Há cerca de dois anos e meio, a profissional da alta Invest
recebeu uma ligaçãoo de seu banco. A proposta era ela parcelar a fatura de seu
cartão de crédito para assim ter mais dinheiro sobrando para despesas típicas
de começo de ano, como com educação e IPVA (Imposto sobre a Propriedade de
Veículos Automotores), por exemplo.

“A taxa de juros cobrada pela grande maioria dos cartões de
crédito é completamente abusiva. Uma vez que o cliente parcela a fatura,
dificilmente ele consegue sair dessa dívida, uma vez que ela vira uma grande
bola de neve. Como eu já trabalhava com investimentos, sabia que isso era uma
grande furada, mas quis ouvir para ver até onde a proposta iria. Foi surreal”,
comenta. A exonomista ainda conta que tinha dinheiro para pagar a fatura
integralmente, o que mostra a má fé do banco em querer propor a ela uma
“solução”para um problema que ela nem tinha.

“Acredito, sinceramente, que tem muita gente que cai nesse
tipo de proposta. Sou cliente do segmento de alta renda e recebi essa péssima
sugestão do banco, imagino o que eles não devem oferecer para o varejo comum.
Um conselho que eu posso dar para os clientes que receberem proposta semelhante
é: jamais façam isso”, aponta Carollyne.

A economista comenta ainda que o cliente jamais deve pensar
em se endividar no banco especialmente com cartão de crédito ou cheque
especial. “As pessoas têm o hábito de achar que cheque especial é dinheiro. Mas
não é e não deve ser usado em hipótese nenhuma, os juros são muitos altos”,
alerta a assessora de investimentos.

Carollyne ainda explica que os bancos costumam também
sugerir péssimas aplicações financeira, como títulos de capitalização ou planos
de previdência&nbsp; com altas taxas de
administração e de carregamento. “No entanto, mesmo esses sendo investimentos
muito ruins, ao menos o investidor está guardando algum dinheiro, mas, no meu
caso, o banco queria me endividar mesmo”, conclui.



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<![endif]-->

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<!--EndFragment-->

Fonte: (AQUI)