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Two weeks before Christmas, the director of the National Consumer Protection Authority, Indecopi, Ana Penasubject to a series recommendations for those users not a bad time after doing a traditional Christmas shopping.
AT Air Rotary, The official explained that according to records received after the Christmas holidays of the past two years, most of the claims filed with Indecopi are for cases such as dissatisfaction with receiving products and complaints about interest on credit cards.
That’s why, Woe recommended users D entrepreneurs buy from suppliers and official companies, so that in case of discrepancy indexcopy may act and punish the guilty company accordingly.
“If they buy from an official supplier, we are not sure that the order will reach them, and secondly, they have no one to complain to,” he advised.
Before purchasing a product, it is important that the user asks questions about the date of arrival of the product, the possibility of changing or requesting a return, surcharges for home delivery and other questions.
Peña added that all users “have the right to request information.”
Be careful when buying in installments!
If you are going to buy an item with a credit card and are going to split the payment into parts, please note that Annual effective cost rate (TCEA) which was created by him banking entity.
Ana Pena He clarified that Indecopi receives a large number of complaints from users who, out of sheer ignorance, complain that they paid “extra” for making a Christmas purchase in installments.
For example: if you have a credit card with a TCEA of 186% and you buy a TV at C/1500 up to twelve monthly payments S/211in the end you will pay in total C/2532; that is, almost twice the original price.
“Consumers say it was much more expensive for them. There are already more S/2000 from the price of S/1500. And if I make the minimum payment, I can pay almost S / 4000, ”the official added, using the example of television.
In this sense, Ana Pena He suggested that users, before purchasing a credit card from any bank, ask about interest on installment payments, the cost of the minimum payment, and, above all, the annual effective cost rate (TCEA).
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.