Migrating debts from one company or bank to another institution does not always bring advantages. That is what the professor of São Paulo School of Economics (FGV/EESP), Samy Dana, stated in his blog Caro Dinheiro, on the website of the newspaper Folha de São Paulo.However, this advantage is not always easily obtained. In the case of the banking industry, consumers who want to make the portability of a debt must, first of all, get ready for research and bargaining, warned Samy. He explained that some opportunities may be obtained from the relationship with the bank - such as lower interest rates on loans and higher credit limits - for customers who have investments or buy products.From a financial view, however, buying any product for which there's no interest is a cost. Therefore, it is important that consumers remain vigilant and renegotiate additional services offered by the bank in exchange for benefits to protect themselves and not let the cheap become expensive, advised the economist.Please click here and check out more tips in the column Caro Dinheiro (in Portuguese).