See how much revolving credit costs and save by switching to installments.
Revolving credit is automatically activated when a cardholder pays less than the full statement balance. Rates can exceed 14% per month, over 400% per year, making it the most expensive credit in Brazil. In just a few months, a small debt can become unmanageable. This tool simulates how long it would take to pay off by making only minimum payments and how much you would save by switching to an installment plan instead.
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Revolving credit is automatically triggered when the full statement is not paid. The remaining balance accrues interest at the revolving rate, one of the highest in the financial market, potentially exceeding 400% per year.
⚠️ Revolving credit rates exceed 14%/month in Brazil, among the highest in the world. Avoid using revolving credit whenever possible.
Banco Central do Brasil, credit data. Average market rates 2026.
Balance evolution
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