find the best bad credit card it's always a mission, because every day several cards with multiple functionalities appear, right?
But, do not despair, in this article you will find out which are the best options to choose from.
Maybe you question: does any company really release a credit card for which it is on the SPC or Serasa list?
Our answer is yes! It is possible to release a card even for those people whose name is restricted, however, there are some rules to make this possible.
Here's everything you need to know about bad credit cards!
So how do I get a credit card with a dirty name?
The way you will get your card is in the consigned way. How does it work?
The amounts purchased on your credit card will be debited directly from your account, so financial institutions are guaranteed payment of the debt.
However, there are concerns you need to focus your attention on.
The main disadvantage is that this modality of card for negatives it is not available to anyone with a dirty name.
It is necessary that you have an employment vehicle that guarantees the payment of the invoices that will be generated in this type of card.
Another concern you should have is that fraudsters, yes, there are many scammers who make promise of credit card release, but it is not true. Stay tuned!
These scams don't just happen online, but in physical stores as well, so look very carefully at the company before you close a deal.
The main profiles that get approval even with a negative are:
- Retirees or even INSS pensioners;
- Federal, State or Municipal Public Servant also has a great chance.
- Military of the Army, Navy or Air Force, they usually release faster.
- And of course: employee of private companies associated with banks that make this type of card.
What are the institutions where I can apply for my card?
As the negative credit card market has been growing, nowadays there are options of financial institutions where you can request the approval of a card even online.
Crefisa credit card
crefisa, was one of the few companies that released cards or loans for people with bad credit.
However, changes in the financial market have provided possibilities for better conditions for those who want the best credit card for bad debts.
We will mention here some companies that you dear reader of Digital Insurance you can trust.
Interbank credit card
O Inter Bank has already become one of the favorite banks of many Brazilian men and women. This has a why. Firstly, because of its enormous facilities for its customers, and of course, the free annual fee for the credit card.
And to further improve the relationship with its customers, it created the payroll credit card modality for negative credit. It is usually aimed at retirees and pensioners, state, municipal, military and federal employees.
As we explained above, the discount works on payroll, with the minimum amount, which can vary from 5 to 10% of your card limit.
The rest of the invoice you pay normally, as with any other credit card. Banco Inter offers very low interest rates compared to most other banks, in addition to special payment conditions.
If you are interested, just get in touch with the Banco Inter call center and choose the best credit card for bad debts.
The service options are very intuitive and you will be able to clarify any doubts.
Banco Inter call center: 0800 940 7772 or 3003 4070 (option 5)
Banco Pan negative credit card
Another excellent institution option that works with credit card for negatives is the Bank PAN, which recently started working with the payroll credit card option for negative credit cards.
The options for you to request a card even with a dirty name really aren't lacking, that card you need to buy something you want so much can come true.
The profiles that are more likely to be released are also retirees and pensioners or anyone who has a connection with the services of a Brazilian public body.
How to submit a proposal for review?
It is very practical, you can make your request directly through the bank's official website, where you will have to fill in a form containing basic personal information.
Right after sending and receiving the financial, you already know if your order was approved or not. If approved, the issuance rate will probably be R$ 15 (but be careful, this value is a 2020 reference) both for the first copy and for others.
Credit Card for negatives – The 3 best options on the market
Simple Box Card
The first great option on the market today is the Simple Box Card. It arrived on the market not long ago, and has already won over thousands of people, precisely because of the ease of releasing it even for negatives.
It comes with annuity exemption, offering incredible benefits and practicality. The most affordable interest at the moment, just 2.85% per month for using the revolving credit on the card.
BMG Card
We don't even need to talk about BMG Bank, Is not it? After all, it's decades of work in the market. It also has clearance for use abroad.
Like the previous ones, the conditions are totally exclusive for INSS retirees and pensioners. According to BMG, the minimum withdrawal amount is R$ 50.00 and 95% of available credit.
The interest rate is 3% per month and the maximum CET is 54.24% per year.
Superdigital Card
For those who still don't know, the Card Superdigital card was created by Banco Santander, leader in the national financial market. There are almost two million fans of the new card.
To submit a request, proof of high financial income is not required and even those who are negative can submit a request for analysis.
Now it's up to you to choose the best option!
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