You're wasting a relevant amount of money by not using a credit card in Brazil. Interest rates are so high right now they have reached 1% monthly, which you can pocket by just delaying payment on everything for a month. And credit is stupid cheap here, too, with a bunch of different picks for free credit cards giving thousands of reais for anyone.

If you have some money you can easily get a card with high cashback, as well, in the 1%+ territory depending on if you want big banks or not, and pay no fees.

Some places give you a discount if you buy things on Pix. Buying on CC is kinda an illusion.

It's more worth to buy things with Pix, and use things like Inter/Meliuz to use 10%~ cashback on stores...

(of course, if you don't want to use insurance or installments).

Btw, my father produce furniture and industrial products, and we always make the price clear to the customer, including what the price would be depending on the payment method. It might not be ideal, but… we prefer to give the transparency to the clients. Because of this, I do say 90% of the clients these days pay only with Pix. A few years ago it was all CC or debit cards.

Not always. I tried to buy a laptop on Lenovo's website. They rejected my credit cards several times, despite my Serasa credit rating maxed out, etc etc.

But then they offered me the laptop with enough discount that was a no brainer. I obviously calculated the difference between 1x, 12x with the hidden interest - cashback and Pix.

So 3 days lost trying to buy the thing, then instant approval and next day delivery when I paid with Pix.

When I bought the NSW2 on pre sale, it was better to use installments, get some cashback, etc.

I live in central Asia, inflation is very low where I live.

But yeah I get the point. It was similar in Turkey, but still wasn’t that valuable to save 1% unless you are really trying to squeeze hard