A comodidade e o aumento da confiança dos brasileiros ao adquirir algo na internet contribuíram para mais vendas online. Porém, nem todo mundo tem cartão de crédito e o crediário online chegou para democratizar esse canal de vendas.
Também conhecido como boleto parcelado, esse meio de pagamento dá poder de compra ao consumidor, permitindo que ele adquira de eletrônicos a pacotes de viagens.
Quer entender como funciona o crediário online e as vantagens dessa modalidade de pagamento? Então continue a leitura!
Table of Contents
Compra online conquistou os brasileiros
Deu para perceber que a compra online conquistou os brasileiros e que perdemos de vez o medo de adquirir algo pela internet. Para se ter uma ideia, segundo pesquisas, o Brasil é o quarto país no ranking dos que mais usam e-commerce.
É importante dizer que a pandemia de Covid-19 contribuiu bastante para isso. No início, a recomendação de isolamento social impediu que as pessoas saíssem de casa para fazer compras. Com isso, a alternativa para muitos era fazer tudo pela internet.
Nesse cenário, se algum eletrodoméstico ou eletrônico estraga ou para não parar sua obra no meio do caminho, a compra online se tornou mais ainda uma excelente opção.
Vale destacar que, comprar pela internet possui várias vantagens, como: conforto, comodidade, agilidade e facilidade para comparar preços.
Falando em praticidade, o crediário online também ganhou força como modalidade de pagamento para compras online e é sobre isso que iremos falar a seguir.
Crediário online ganha força no mercado brasileiro
O tradicional crediário já era uma prática comum em lojas físicas. Temos certeza que em algum momento você já ouviu falar, ou até mesmo já utilizou o “carnê das Casas Bahia”.
Acontece que, nesses casos, o consumidor precisava ir até a loja realizar o pagamento todos os meses. Com toda evolução proporcionada pela transformação digital, ele está migrando para o universo online.
O boleto parcelado vem trazendo mais facilidade para ambas as partes, contribuindo para melhorar ainda mais a relação entre cliente e lojista.
Se você já tem o hábito de fazer suas compras pela internet ou começou essa prática durante a pandemia, saiba que o crediário online é a modalidade de pagamento perfeita para quem não usa cartão de crédito ou está com limite baixo.
Mas, se engana quem pensa que esse meio de pagamento ainda é uma novidade. Na verdade, ele já está em alta no exterior, principalmente entre pessoas com idade entre 25 e 40 anos — público que ama mudança e novas alternativas de compras.
Porém, mesmo que muita gente já utilize o crediário online, pode ser que você ainda não saiba como ele funciona. Então descubra a seguir!
Como funciona o carnê digital?
O carnê digital, ou boleto parcelado, é um meio de pagamento online simples e ideal para quem quer fugir do cartão de crédito, não tem limite disponível ou não quer mexer naquela graninha guardada para o caso de emergência.
Utilizar esse tipo de pagamento é bastante prático e fácil. É preciso somente que o consumidor pesquise e escolha lojas que aceitam essa modalidade. E seguindo o que já falamos por aqui, realizar o cadastro é igualmente simples e a aprovação é rápida.
Veja como funciona:
- pesquise as lojas online que disponibilizam o boleto parcelado como forma de pagamento da sua compra. São muitas, inclusive grandes e-commerces são parceiros de plataformas que atuam nesse ramo;
- ao fazer a sua compra, você será direcionado para a plataforma responsável pelo carnê digital para realizar o seu cadastro, que é bem tranquilo de fazer;
- após terminar o cadastro, está na hora de escolher o número de parcelas. Feito isso, seu perfil como comprador será avaliado rapidamente e você já recebe os boletos por email;
- faça o pagamento do primeiro documento para que o pedido seja enviado e fique atento a data de vencimento.
As vantagens de parcelar suas compras online no boleto
Se você ainda não está convencido de que o crediário online é uma excelente opção, vamos apresentar vários motivos para utilizar o boleto parcelado nas suas compras na internet. Confira!
Amplia o poder de compra do consumidor
Com o carnê digital, é possível comprar aquele item que tem um preço um pouco mais elevado que o seu orçamento mensal. Isso porque você consegue parcelar o valor total da compra online, sem precisar pagar tudo de uma só vez.
Ajuda o consumidor a controlar seus gastos
Ao utilizar o boleto parcelado, o consumidor consegue controlar seus gastos, já que é ele quem escolhe a quantidade de parcelas. Além disso, ajuda a não estourar o limite do cartão de crédito e arcar com os altos juros dessa modalidade.
Não exige cartão de crédito
Uma das principais vantagens dessa modalidade de pagamento é que, além de não precisar do cartão de crédito para fazer sua compra online, também não é necessário ter um para fazer o seu cadastro na plataforma.
A aprovação é rápida e segura
Todo o processo é realizado rapidamente por uma equipe de segurança especializada, já que a análise de crédito é feita com uso de tecnologia. Além disso, a assinatura do contrato é feita virtualmente, trazendo ainda mais credibilidade.
Juros menores e prazos maiores
Com base nas outras formas de pagamento, o crediário online te dá mais tempo para pagar a compra. Além disso, tem juros menores, que variam de acordo com o valor da mercadoria e o número de parcelas escolhidas na plataforma.
Conclusão
Como vimos, o crediário online é uma solução em meio de pagamento que possibilita ao consumidor não depender de cartão de crédito para fazer compras na internet. Agora, a falta de cartão não te impede de comprar!
O boleto parcelado te dá poder de compra e ainda te ajuda a controlar os gastos, aumentar seu score e ter uma vida financeira mais organizada.
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