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.
Credit Card Revolving Credit Calculator
See how much revolving credit costs and save by switching to installments.
Why revolving credit is the most expensive credit in Brazil.
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.
Find out the real cost of revolving credit and the installment alternative.
- Enter the statement balance, revolving rate, and minimum payment percentage.
- Enter the number of installments and rate for the installment plan comparison.
- Compare total paid in each scenario and see how much you save by choosing installments.
Sources and references for this tool
These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
- Banco Central — Cartão de créditoBanco Central do Brasil — Educational reference for revolving credit and cards.
- Receita FederalReceita Federal — Official reference for Brazilian federal tax rules.
- Banco Central do BrasilBanco Central do Brasil — Official reference for rates, credit, exchange and the financial system.