Brazil ended 2025 with a 2.3% increase in GDP, the lowest unemployment rate in history, and record average income. Nevertheless, the level of indebtedness remains high, with credit cards accounting for a significant portion of debts in the country. According to data from Recovery, at least 19 million Brazilians had credit card debts last year, reflecting a considerable financial burden despite a slight 2% decline in this debt category compared to the previous year.

The detailed statistics provide further insight: there are over 80 million overdue debts recorded in 2025 and 6 million debts that have been renegotiated into agreements. Interestingly, only 193 thousand records originate from companies, indicating that most debts are held by individuals. This highlights the personal financial challenges facing a large segment of the Brazilian population, in contrast to the economically positive indicators of growth and employment.

Regional debt distribution also serves as an essential aspect of this issue, as varying economic conditions across the country affect debt patterns. Understanding the dynamics of debt, particularly in relation to credit cards, can shed light on broader socioeconomic trends in Brazil, emphasizing the need for effective financial management and support systems for individuals struggling with debt.