Today we have put together 3 practical tips to help you successfully get approved for a credit card.
One of the things that most prevents people from getting a credit card approval is trying multiple places. And we have selected some information that may help you in your search. Therefore, read carefully so as not to confuse the information.
We do not release credit card for those with bad credit or any other type of card. You need to pay attention so that you can actually get your card. Check out the practical tips below:
You might ask: is it difficult to get a credit card in Brazil?
A straightforward answer: it's not difficult. Data shows that there are currently more than 700 million cards issued in Brazil (both debit and credit), which represents an average of 3.5 cards for each Brazilian, and the country is one of the largest markets in terms of the number of transactions carried out with cards.
However, although the current credit offer is broad, its REAL concession is limited. In other words, just because you can apply for different types of Credit Cards does not mean that they will actually be approved and sent to your home.
A history of debts, even with a “clean” credit rating, prevents approval.
Now, let's be clear, your name is no longer on the SPC or Serasa because you paid off all your debts and decided to apply for a credit card to make purchases in installments. In this case, the probability that a bank will grant you a credit card is still low because a history of debts (even if it is a thing of the past) does not convey trust.
Being a bad payer directly influences the bank denying your card application because even in cases of debts that have expired (your name is not on the SPC or Serasa) there is still a financial history as a customer who has not made payments.
Other Credit Card Tips
Experts say that when applying for a credit card online, you should check all the criteria required for the product to be granted, especially the minimum monthly income required. The amount required for national and international cards is not the same, because the product is designed for different customer profiles.
Define your economic profile
Never accept a 7 thousand card if you can only pay 700 reais. Be aware of things and your obligations.
Above all, remember: having a good financial profile takes time. Therefore, avoid impulse purchases and do not take on large installments to avoid the risk of going into the red. Even if it takes a little longer, good payers are always rewarded.