Your Rights as a Credit Card User in Brazil

Art. 3º, § 2º (services include banking, financial and credit services); art. 39, III (unrequested products/services abusive); art. 42, sole paragraph (double refund of undue charges); art. 49 (7-day withdrawal outside the establishment, immediate refund); arts. 52, 54-B, 54-C, 54-D (credit information, CET, responsible assessment, contract copy, prohibited practices in credit offers); art. 54-G, I and III (contested card charges, 10-day notice, deduction of disputed amount, provisional credit; suppliers of credit may not obstruct cancellation, blocking or refund in fraud cases), added by Lei 14.181/2021; art. 104-A (judicial debt renegotiation, plan up to 5 years, exclusions).

Art. 8 (no sending or activating a payment instrument without express request); art. 10 (limit increases need prior consent each time from 1 July 2024; reductions with 30 days' notice unless risk deterioration; reduction on request within 2 business days); art. 6, § 2º and art. 6-A (key-information summary; three due dates seven days apart); art. 12 (closing through the opening channel; no refusal because of balances; no change to installments).

Limit rules summarized by the BCB, including consent for each increase since 1 July 2024 and reduction on request within 2 business days.

Art. 5, § 3º: seller must immediately inform the card issuer when the consumer withdraws so the transaction isn't posted or is reversed.

BCB advice on card scams: police report, contact the issuer and the acquirer (card machine company), complain to the BCB if unresolved.

Complaint path: agency/SAC, ouvidoria, Procon, consumidor.gov.br, BCB; gov.br silver or gold with two-step verification to access the logged-in area where complaints are followed; institution answers within 10 business days; BCB doesn't act on individual cases; complaints support supervision and regulation.

You can also go to consumer protection bodies, consumidor.gov.br or the courts (Poder Judiciário).

Art. 12, IV and sole paragraph (advice on persistently overdue debt; limits not shown as available balance); art. 14 (advertising rules including risk warnings); art. 18 (in force on publication).

Art. 2 (information and advice for customers with persistently or recurrently overdue debt, identified considering at least debts overdue more than 90 days); art. 5 (limits not shown as available balance); art. 6, §§ 1º, 2º and 4º (digital credit offers need prior authorization, cancellable at any time with immediate effect; risk warnings); art. 7 (in force 1 July 2027).