What is the best no-consultation credit card option on the market today? You might think this is impossible, but it's not! We have separated a special article, which will certainly help you in this matter.
Card without consultation at SPC and Serasa, is it possible?
As Brazil is currently suffering a strong economic crisis, Visa launched a credit card without consultation at SPC and Serasa. That's right, you did not misread. It is now possible to get a card without consulting the credit protection agencies.
The Brazilian Business Card was launched, a card without bureaucracy and easy to approve, your request is answered within 48 hours and you can use your card in thousands of establishments that accept the Visa flag.
How to apply?
You fill out a form via the internet by accessing the website, with simple data such as RG, CPF, address and income.
If your order is accepted, you will receive an email with a ticket in the amount of R$38.99. This bill refers to the fee for opening your digital account and delivering your card.
After the payment of this slip appears in the Brasilian Business Card system, they will send the card to the address informed in the form;
Advantages of purchasing?
- Many people are benefiting from this card, taking advantage of advantages such as:
- – Pay bills online;
- – No consultation at SPC and Serasa, no bureaucracy;
- – Valid for monthly subscriptions such as Netflix, Spotfy and Google Play;
- – 100% digital account;
- – Access all your movements through the application.
Don't waste any more time in queues and processes full of bureaucracy, access the site now and apply for your credit card without fear of being denied for having your name on SPC and Serasa.
And with this possibility of having a card, you have the possibility to pay your bills on time and start to re-establish your name as a good payer, rebuild your financial life in the face of the economic market we are in, because we know how important this is. .
Don't wait any longer and start a change in your life, one step at a time and you will get there.
restricted credit card
Is it really possible to get a restricted credit card? It is important to say that normally, in order to be approved by a company with a credit card, it is necessary to have a clean name, in addition to a good credit score.
However, Banco Inter offers a credit card option even for those with a dirty name at SPC and Serasa. Other banks have also adopted this modality.
credit card that does not consult spc and serasa visa
– Simple Cash 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 reliability and security of its financial operations. …
And of course, the Superdigital Card.
credit card for visa negative
There are some rules for anyone looking for a visa-negative credit card.
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 RG, CPF and proof of residency.27 Jan. from 2020
Who can make a payroll credit card?
The main audience are
- INSS retirees and pensioners;
- Federal, State or Municipal Public Servant;
- Military of the Army, Navy or Air Force;
- Employee of private companies affiliated to Banco Bradesco;
credit card for salaried employee
But are there alternatives for salaried workers?
Yes, they exist. For those who have payroll, it is simpler to find a solution and have a credit card for negative employees. See below for your options:
Prepaid card for negative
This is without a doubt an excellent option. As the name says, this card needs to be preloaded, so you need to have money to deposit. It is also important to check which fees are part of this package, as some charge membership, monthly fees and even withdrawals.
But what is the advantage of this card? Well, folks, the benefit is having control over the money, instead of keeping it in cash.
Payroll 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 your registration with SERASA or SPC. The most common are:
Simple Caixa Credit Card
An excellent novelty that appeared recently for cashier customers. It is issued by Caixa Econômica Federal and is an exclusive card for INSS pensioners and retirees who are under 75 years of age.
In addition, it does not have an annual fee and the card brand is exclusively Elo, and 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 the salary amount. It is available for negatives and has rates 4x lower than the market standard.
Inter Bank Card
For those who still don't know, Banco Inter is fully digital and also offers a credit card facility for negative people.
But who can apply for it? The card is available to retirees and employees of public bodies and companies affiliated to the Bank. Interest rates are also below market and the invoice is deducted from the payroll.
What is the best solution for salaried employees?
Undoubtedly, the best option remains to clear your name and increase your credit score in order to have a credit card, and this can be done through a loan for negative people or debt renegotiation.
Make a simulation of the amount you need to leave your accounts in the blue and compare rates, so you can take back control of debts and have peace of mind.
Another very important thing you need to do: reflect and evaluate all credit card interest, making comparisons between financial ones to finally find out which option is best for you.
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