Pix in installments is gradually arriving at banking institutions and fintechs. The modality is not yet officially recognized by the Central Bank, but it has already been announced by the same with the name Pix Garantido and will work as in other institutions.
Pix in installments is nothing more than a credit offer, where the customer requests an advance from the bank to that the recipient obtains the entire amount at the time, but this amount will have to be paid in installments and with interest posteriorly.
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The institutions that have already joined Pix in installments are: Santander, Mercado Pago, Digio and PicPay. Santander offers installments of up to 24 installments, and the other institutions consider the credit card balance to release the installments.
Transaction fees vary between 2% and 3.99%, considered relatively low. But you have to be careful not to end up accumulating debts, as the ease can fill your eyes.
In fact, the Pix in installments causes the same danger to financial health as the loan with interest and the installment of the credit card bill, because if you are tight to pay the installments, it can cause a financial hole in your life.
The tip is always to write down purchases in installments and in cash to get an exact idea of how much is spent in the month, and to analyze whether it is possible to enter into another installment like this one.
But a good side of the modality is that this way donations to charitable campaigns can keep a pace more constant, because often in natural disasters the pace of donations starts to decrease over the course of time. In these cases of charity it has not yet been informed whether or not the installment will have interest.
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