ANBC reinforces the importance of conscious credit taking on Mother's Day and warns of the risks of indebtedness
Association advocates balance between emotion and financial responsibility on date marked by strong consumer appeal
Mother's Day is the second most important day for Brazilian commerce, behind Christmas, and generates billions in sales every year. In 2025, projections indicate a very encouraging scenario. Research carried out by Rcell, in partnership with ASUS, reveals that 85.7% of retailers expect to make more than R$ 1 million in sales. And 79.2% of retailers believe that the average ticket will be over R$ 450. Faced with this heated scenario, the National Association of Credit Bureaus (ANBC) would like to warn: although credit is an important engine for the economy, it must be used with planning in order to generate financial balance, especially for lower-income families. The emotional appeal of the date, combined with the desire to pay homage, is a stimulus to consumption, which should be done consciously to ensure a healthy relationship with finances and avoid the risk of debt.
The economic scenario shows signs of progress and attention: household consumption grew by 4.8% in 2024, with real average income rising (4.3%) above inflation. However, the commitment of income to debt reached 48.7% in January 2025, according to the Central Bank - a rate that calls for caution on the part of consumers.
“We're living through a phase in which the Brazilian financial system is maturing. Credit is more accessible and democratic, which is positive. The challenge of this advance is that it needs to be sustainable and accompanied by financial education for conscious consumption: I see it as fundamental that the consumption decisions associated with this moment are guided more by reason than by emotion and that financial choices are aligned with families” long-term economic objectives," says Elias Sfeir, ANBC's executive president.
ANBC points out that financial inclusion in Brazil has advanced significantly in recent years, driven by digitalization and the success of Pix, which connects millions of informal workers to the financial system. The next step is to ensure that access to credit is accompanied by education and sustainability in relationships.
“Financial inclusion goes beyond access: it represents the ability to use financial services rationally, safely and in line with life plans. The great purpose is to transform access to credit into a tool for real and sustainable inclusion, promoting choices that respect each family's financial limits and strengthen their economic autonomy,” says the executive.
Elias stresses that Brazil has stood out globally in the debate on financial health, with initiatives such as the Brazilian Financial Health Index, developed by the Central Bank and Febraban with the support of credit bureaus. “More than expanding access to credit, it is essential to promote its responsible use, so that it is a lever for individual and collective growth,” adds Sfeir.
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