Definição de cheque especial

[{"selector":"#anim-6cd81a93-c99a-4a6e-9a40-a51a17985c03","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Como funciona?

[{"selector":"#anim-28f584bc-c171-4ae2-97cd-bcf85d601d58","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bbbedee5-6ed1-439f-8ea2-f4f5edf91770","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-35ffd1a3-a433-4977-911f-d07d1b64dd77","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6311a9b9-a97f-4bd0-8ae3-b280fbeed340","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-122f432a-3d44-4e23-83ca-aeb6ef2e0f1b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Taxas e juros

[{"selector":"#anim-85c95774-6841-4c33-a815-f4efbe28b0ca","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71a659f2-64d1-4057-a185-71d8ce3dd745","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2459fb1-e76d-4f2f-b4c6-406bcf48f12e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2276d8f2-7fad-4670-a894-cb62d36333c5","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66b533f2-77e8-40ce-bf4c-7910ef673b21","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Quando usar?

[{"selector":"#anim-993d5091-2a75-44f9-a032-6d422997dba4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de3297ab-1843-43e4-9259-be69fdd1ca53","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb233bec-3686-4a15-9120-0a9e16b8113f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d216c55-8a17-4748-9869-3fafacdf6e5a","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-18718454-b986-4b10-960d-00d89f5c400b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Planejamento financeiro

[{"selector":"#anim-208ec9d5-8dd9-4ab8-96d1-5cf3243c587a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4281e27d-e8cf-41c1-8184-51ee7c7ccbba","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1811958b-1ae2-4de6-8ae9-9bc273c84e51","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cf674f8-433b-4163-8a57-879270c18bae","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e7c4b8d-79d6-4b66-a8d4-135048a407d6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Alternativas ao cheque especial

[{"selector":"#anim-c069bd06-b7d0-4ffc-a092-0709da39dd7c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-572d4733-0e4d-4067-912d-1e794beb2d02","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-602e2eaa-151e-4944-a7af-bba52cfed24a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-08a146ad-70a5-4669-8028-be099876425d","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9dc9b241-bcdc-4fb3-870f-0db7109e7e65","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Consequências do uso frequente

[{"selector":"#anim-e5f37961-6bde-496d-b2b2-20584460257f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4284a19a-e5d0-402c-bcfd-8429a1a91413","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ccdc8741-ad71-44fb-a4ce-89029678f68e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e5566a09-8a20-4997-9655-50cb1f6d74bc","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ebdd1d5-8118-45bf-9174-56ed52e84cd8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Dicas para evitar o cheque especial

[{"selector":"#anim-07617d52-32ba-471a-9a6b-0d59b8d175bd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0dc81675-b7a7-44ad-a389-be09b77f1830","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2cae52f-c920-4f5f-997f-307b1c1805b6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5cc4480e-4947-4f7f-9bb8-98ded791c7ce","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a2edec0-fae7-40db-be18-25586a47ddeb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Como sair do cheque especial

[{"selector":"#anim-2b3c48a2-0b98-465b-9b76-8ff60ee5a5e8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-083b54f4-4624-4cc2-a6b2-3a29472d3e10","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a5a8e0c2-8435-411f-9367-19d6784bd9eb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-526f9177-96c7-4658-b871-23b4d9e8fa1f","keyframes":{"transform":["translate3d(0px, -462.43371%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f64295a-06c7-4aeb-a252-53dce77d0584","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

Cuidado com o cheque especial

[{"selector":"#anim-599133ff-a2db-40f2-a582-5b11b70f0400","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a110f20-dafa-43f8-b802-c561d5fe4550","keyframes":{"transform":["translate3d(-115.2381%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-52bf9034-4ff1-4445-8311-e77861353616","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-501bbb51-6c63-4f1c-ace8-3699f1d2d214","keyframes":{"transform":["translate3d(0px, -236.24333%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15b07fcc-43c3-4e03-b769-be75c4fb60dc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Saque cartão de crédito: entenda como funciona para pegar dinheiro PIX Parcelado: saiba como pagar com PIX e parcelar a conta

Definição de cheque especial

Cheque especial é um limite de crédito pré-aprovado que os bancos oferecem, disponível na sua conta corrente.

Como funciona?

1

1

Quando você gasta mais do que tem na conta, automaticamente entra no cheque especial, usando esse limite extra.

Taxas e juros

2

2

Atenção: o cheque especial tem uma das maiores taxas de juros do mercado financeiro.

Quando usar?

3

3

Ideal para emergências financeiras. Não recomendado para uso regular ou compras do dia a dia.

Planejamento financeiro

4

4

Use o cheque especial conscientemente. Planeje seu orçamento para evitar depender dele.

Alternativas ao cheque especial

5

5

Use o cheque especial conscientemente. Planeje seu orçamento para evitar depender dele.

Consequências do uso frequente

6

6

O uso frequente pode levar a dívidas crescentes e impactar negativamente sua saúde financeira.

Dicas para evitar o cheque especial

7

7

Mantenha um fundo de emergência e controle seus gastos para não precisar recorrer ao cheque especial.

Como sair do cheque especial

8

8

Priorize o pagamento dessa dívida devido aos altos juros. Considere negociar o débito ou transferi-lo para uma opção mais barata.

Cuidado com o cheque especial

9

9

Útil em emergências, o cheque especial requer cautela pelos altos juros. Para alternativas, visite o Meu Cartão de Crédito.