Easy low monthly payments.
We all know this language. It must be totally confusing for a foreigner to hear something like,
90 days is the same as CASH.
Brazil has it’s own vocabulary. Let’s learn the important ones:
When paying for something, this question is almost always part if the transaction:
“Dinheiro ou cartão?”
If the answer is ‘cartão’ the next question is always: “crédito ou débito?”
‘Débito’ is direct-deposit or, an ATM card.
If you’re buying something big — like a pair of jeans (um, a pair of tennis shoes can set you back several hundred dollars here) another set of questions will be presented by the seller. Everyone finances bigger payments into monthly payments — they do not always put them on a credit card. This is because most of the stores offer special lower interest rates if you use their payment plan. Okay, so here’s what you need to know:
Pagamando a vista means CASH IN FULL, NOW. You should always ask for a discount if paying up front (~5%)
Pagamento parcelado means PAYING IN MONTHLY INSTALLMENTS. A sentence like: parcelamos em até 12 vezes means that the store will finance your purchase up to 12 months. The verb here is PARCELAR.
> Na Lojas Americans, além dos descontos, os clientes vão poder parcelar em até 24X no Cartão Extra.