Today we're going to talk about how you can get your credit card even if your name is on the negative list with agencies like SPC or even Serasa, where many Brazilians are in trouble.
Well, first, I need to add something. Credit cards are a great ally when it comes to shopping; they allow you to control your budget, organize your expenses, pay in installments, and so on. But when your credit score is negative or restricted, it's almost impossible to get a credit card.
How do I check if my name is in the SPC?
To check if your name is dirty, just go to the SPC/Serasa Consumidor website and check using your CPF number.
The website will show you if your name is blocked and which restrictions you need to clear. Later, once everything is resolved, your name will be removed from the defaulters' list.
How to clear your name in SPC?
In this topic, we want to share some tips with you. The main tip is to pay off all your outstanding debts with banks, financial institutions, and establishments.
It's important to remember that you need to keep your payments up to date and not fall behind on any bills. If you feel it's necessary, the SPC/Serasa website offers the option to update your data and registration to demonstrate that you've paid your bills and kept them in the black.
Check your CPF at the Federal Revenue Service ONLINE in a simple way.
The Federal Revenue Service provides a search field on its website for taxpayers to access their information and find out what outstanding debts are in their name. In this search, the IRS only provides the status of your CPF (Individual Taxpayer Registry).
You enter the number along with your date of birth, this way you will have consulted your name.
It is important to say that we do not issue credit cards, our role here is only to provide you with the most accurate information regarding credit card release, even without checking your CPF.
Questions? Leave your comment!