Find out if people with a dirty name can buy in the brochure

With the economic crisis that the country is going through due to the coronavirus pandemic, the brochure has become a reality for consumers. However, in a reality of unemployment and credit problems, the question remains: who has a dirty name can you buy in the brochure?

In this text, we will explain if those with a dirty name can buy in the brochure and what are the conditions for those in this situation. Read on and check it out!

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What does it mean to have a dirty name?

Currently, Brazil has approximately 61 million negative people in organizations like SPC and Serasa. They are people who, for various reasons, do not meet their debts and end up delaying their payments.

Often times these expired bills are settled through direct negotiations with the establishments, but those with a dirty name are still present in the SPC or Serasa. With the current crisis, many people depend on credit and need to make new purchases, even with a dirty name.

How does buying in the brochure work?

Before the credit card was popular with Brazilians, the brochure was the best-known way to divide purchases. With this form of payment, the consumer receives from the company a brochure in which each sheet corresponds to a part to be paid. Basically it’s the same logic as the tickets.

Brochures are paid directly at the store or, in some cases, at banks and bank branches. As with card purchases, the purchase on the credit card subjects the consumer to interest charges in case of delay and non-payment has the consequence of denying the SPC or Serasa.

But after all, who has a dirty name can you buy in the brochure?

Yes, who has a dirty name can buy in the brochure, but with some conditions.. It is very common the idea that negative people do not have access to store credit. However, with the digitization of many financial services, it became easier to be able to buy in the brochure, even if it was negative.

Currently, some financial companies offer this possibility and even those with a dirty name can buy in the brochure. Many of them, including, without the need for credit analysis. In general, this possibility is offered for purchases of products with higher added value, such as furniture and household appliances.

Is it possible to buy in physical stores with a dirty name?

Despite having a more rigorous process, some physical stores also allow people with a dirty name to shop in the brochure. After all, the The dirty name is not the only criterion used by companies to release credit.
Factors such as the client’s income and occupation, the payment history before including the CPF in the SPC and Serasa and a good relationship with the company can also help in this case.

So before deciding where to make your purchase, contact the establishment and discuss the possibilities it offers, finding out if people with a dirty name can shop in the brochure. Just remember to assess the maximum value of your installments so you don’t lose financial control.

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Image: as a photographic studio, via Shutterstock.