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You in the Blue, Above all, finish the year by paying off your debt with Caixa Federal.
Learn about the program, With it, you can get amazing discounts, all in an easy, safe, and fast way.
We will present all the details of the program and, in addition, clarify any doubts, with the aim of providing greater ease of understanding.
So don't miss out on this great opportunity to negotiate your debts. Check out all the details below.
Learn about the You in the Blue program.
Caixa Federal presents the project to all people who have outstanding debts. You in the Blue, seeking to provide opportunities for settling debts with discounts.
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THE You in the Blue It offers the option of settling commercial loan debts for individuals and legal entities, including credit cards, but note that the validity is only until [date]. December 29, 2022.
Therefore, by paying all debts in full, you will receive a discount on the total amount of the debt...depending on the type of loan and the specific terms of the individual contract.
If your contracts do not qualify for the cash discount mentioned in You in the BlueRest assured, there are no complications! See below several options that Caixa has provided especially for you.
Customer Service Channels
The good news about this benefit is the scope of debt rescheduling, which can be done through digital channels. On average, 70% of the campaign plans You in the Blue 2022 It can be used on the Caixa website. Caixa app and WhatsApp (0800 104 0104).
In-person attendance is also permitted at any Caixa branch. Certain cities will also host the Mobile Unit. You in the BlueThe route can be viewed on the bank's website.
The agreed-upon settlements will be removed from the negative credit register within five business days after the person makes the payment via bank slip.
Types of debts that will be renegotiated
With Caixa, you can renegotiate all debts that are in the form of credit, such as overdrafts, credit cards, and working capital loans, with the exception of housing and agricultural contracts.
The bank states that the discount applies to the full amount owed, depending on the type of loan and the unique circumstances of each contract. In most negotiations, a large discount is expected for cash payment, but in certain cases, payment can be made in installments.
The campaign covers 4 million individual customers nationwide and 396,000 corporate customers. According to the bank, more than 801,000 of those in default can renegotiate their debts for just R$1,000.
The vice president of the Caixa Federal retail network, Júlio Volpp, says he expects the program to generate up to R$ 1 billion.
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Loan Negotiation
Negotiate a variety of commercial loan agreements with long repayment terms (up to 96 payments), lower monthly payments, and a favorable deadline for the first payment. Include a maximum of 6 overdue installments in the balance, depending on the payment method.
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Pronampe – Fampe and FGI
It is possible to arrange payment plans for overdue installments in these 3 payment methods, including interest and penalties, that is, obtaining partial exemption, or even total exemption.
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Caixa Tem Loan
Caixa customers will be able to amortize or even settle the loans they have obtained.
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Credit card
Up to 69 days late.
Is your credit card bill overdue? This is a great opportunity for you to settle your debt. If your bill is no more than 69 days overdue, you may be eligible for special rates to renegotiate.
Over 69 days.
Now, if your bill is more than 69 days overdue, you will have the option to either pay in installments or settle your debt in full, based on official clarifications from the bank.
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Rural Credit
For those who have rural credit obligations with Caixa Econômica Federal, it is possible to renegotiate through installments or, if preferred, extend the due date of the rural credit.
All of this takes into account factors such as harvest/production, seeking to normalize the agreement with the bank by obtaining discounts on interest, as well as penalties.
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Fies
Regarding FIES (Student Financing Fund), for individuals with contracts signed up to January 14, 2010, there is an excellent opportunity to settle their accounts with the Financial Institution.
You can choose between paying in installments or paying in full; if you are interested in settling the debt, the discount can reach up to 92%. However, if you renegotiate by paying in installments, it can be done in 10 installments, according to official sources.
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Housing
In the case of housing, it is possible to use the FGTS balance to pay up to 80% of the monthly mortgage payment in 12 installments.
Another positive factor extended to housing is the ease with which the program... You in the Blue This includes contracts with installments overdue by up to 12 months. For more information, contact Caixa Econômica Federal.
Customer Service You in the Blue
With Caixa, you have several ways to access your services, and the institution itself encourages the use of digital and remote means for communication.
It has over 4,200 public service locations throughout the country. Above all, services such as;
- CAIXA Internet Banking
- Mobile applications
- 24-hour Bank Service
- Electronic Service
- Self-Service Rooms
- Telephone and other services.
Source: Caixa Federal
