What is the best credit card option without checking accounts on the market today? You might think that this is impossible, but it is not! We have put together a special article that will certainly help you with this issue.
Card without checking SPC and Serasa, is it possible?
As Brazil is currently suffering a severe economic crisis, Visa has launched a credit card without checking SPC and Serasa. That's right, you didn't read it wrong. It is now possible to get a card without checking with credit protection agencies.
The Brazilian Business Card has been launched, a card with no bureaucracy and easy approval, your request will be answered within 48 hours and you can use your card in thousands of establishments that accept Visa.
How to apply?
You fill out a form online by accessing the website, with simple data such as ID, CPF, address and income.
If your order is accepted, you will receive an email with a bill for R$38.99. This bill is for the fee for opening your digital account and delivering your card.
After the payment of this bill appears in the Brasilian Business Card system, they will send the card to the address provided on the form;
Advantages of purchasing?
- Many people are benefiting from this card, enjoying advantages such as:
- – Pay bills online;
- – No consultation with SPC and Serasa, no bureaucracy;
- – Valid for monthly subscriptions such as Netflix, Spotfy and Google Play;
- – 100% digital account;
- – Access all your transactions through the app.
Don't waste any more time in queues and bureaucratic processes, access the website now and apply for your credit card without fear of being denied because your name is on the SPC and Serasa.
And with this possibility of having a card, you have the possibility of paying your bills on time and starting to reestablish your name as a good payer, rebuilding your financial life in the economic market in which we are inserted, because we know how important this is.
Don't wait any longer and start making a change in your life, one step at a time and you will get there.
credit card with restriction
Is it really possible to get a credit card with restrictions? It is important to note that normally, to be approved by a company with a credit card, you need to have a clean record, as well as a good credit score.
However, Banco Inter offers a credit card option even for those with a bad credit rating in SPC and Serasa. Other banks have also adopted this option.
credit card that does not check spc and serasa visa
– Caixa Simples Card. The Caixa Simples credit card offers exactly the same advantages as conventional credit cards. …
BMG Card. Banco BMG has 89 years of experience and guarantees the trust and security of your financial transactions. …
And of course, the Superdigital Card.
credit card for negative visa
There are some rules for those looking for a credit card for those with bad credit on Visa.
First of all: to apply for the card, you must be at least 18 years old, and INSS pensioners must be 21 years old. In addition, you must have an income of at least one minimum wage in force, and you will need a copy of your ID, CPF and proof of residence. Jan 27, 2020
Who can get a payroll credit card?
The main audience are the
- INSS retirees and pensioners;
- Federal, State or Municipal Public Servant;
- Military of the Army, Navy or Air Force;
- Employee of private companies affiliated with Banco Bradesco;
credit card for salaried employees with bad credit
But are there alternatives for employees?
Yes, there are. For those who have their paychecks paid, it is easier to find a solution and have a credit card for salaried employees with bad credit. See below what your options are:
Prepaid card for people with bad credit
This is undoubtedly an excellent option. As the name suggests, this card needs to be pre-loaded, so you need to have money to deposit. It is also important to check what fees are part of this package, as some charge membership, monthly fees and even withdrawal fees.
But what is the advantage of this card? Well, folks, the benefit is having control over your money, instead of keeping it in cash.
Consigned credit card
Another excellent option for you! This is a type of credit card that is offered by few financial institutions and that do not verify registration with SERASA or SPC. The most common are:
Caixa Simples Credit Card
An excellent new feature that has recently appeared for Caixa customers. It is issued by Caixa Econômica Federal and is an exclusive card for INSS pensioners and retirees who are under 75 years old.
Furthermore, it has no annual fee and the card brand is exclusively Elo, so it is not possible to request a Visa or MasterCard.
Banco Pan Credit Card
Banco Pan allows pensioners, retirees and active civil servants to have a card with a limit of up to twice their salary. It is available to those with bad credit and has rates 4x lower than the market standard.
Inter Bank Card
For those who don't know yet, Banco Inter is completely digital and also offers the facility of a credit card for those with bad credit.
But who can apply for it? The card is available to retirees and employees of public bodies and companies affiliated with the Bank. Interest rates are also below market rates and the bill is deducted from payroll.
What is the best solution for salaried employees with bad credit?
Without a doubt, the best option is still to clear your name and increase your credit score to get a credit card, and this can be done through a loan for those with bad credit or debt renegotiation.
Simulate the amount you need to get your accounts in the black and compare rates, so you can regain control of your debts and have peace of mind.
Another very important thing you need to do: reflect on and evaluate all credit card interest rates, making comparisons between financial institutions to finally find out which is the best option for you.
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