Today we separate 3 practical tips for you to be successful in approving a credit card.
One of the things that most holds people back from getting a credit card approval is trying multiple locations. 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 negatives or any other type of card. Attention is needed for you to actually get your card. Check out the practical tips below:
You may ask: is it difficult to have a credit card in Brazil?
A straight answer: it's not difficult. Data show that currently in Brazil there are more than 700 million cards issued (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 number of card transactions.
But, if the credit supply is currently wide, its REAL concession is limited. That is, it is not because you can apply for different types of Credit Cards that they will effectively be approved and sent to your residence.
Debt history, even with the name "clean" is pending approval.
Now check it out, you no longer have your name 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 a credit card is still reduced because the debt history (even if it is a thing of the past) does not give confidence
Being a bad payer directly influences the bank to deny your card request because even in cases of debts that have expired (your name is not included in 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 over the internet, you must check all the criteria required for granting the product, especially the value of the minimum monthly income requested. The amount required for national and international cards are not the same, because the product is designed for different customer profiles.
Define your economic profile
I never accept a 7000 card if you can only pay 700 reais. Be aware of things and your obligations.
Above all, remember: having a good economic profile takes time. So, avoid buying on impulse and don't assume high installments so you don't run the risk of going into the red. Even if it takes a little more time, good payers are always rewarded.
