Today we are going to tell you some information about the best credit cards with no annual fee on the market. Maybe you doubt if this is really possible, we would say: Yes! There are no rules or a plausible explanation for credit card approvals, they tend to vary by company.
The first great card that we recommend is Digio. We can say that there are indeed cases of approved negative people, and often with good limits. While several people with clean names have their cards declined.
Be aware: it is very accurate to say that there is no perfect recipe to be approved, so if you have a dirty name, apply for the Digio card, as it is possible to be accepted.
Why do financial institutions accept SPC negatives?
The main income of credit cards with no annual fee comes from bad debtors, from revolving card interest. Therefore, negatives are usually welcome.
Usually the company thinks that the chances of this person delaying an invoice, paying interest and making more profit are great! Which causes a good acceptance of negatives.
In general, credit cards do not want to default, and put the person's name in the SPC or Serasa. And that's where the thorough evaluation comes in.
Where they can pull all your purchase history in your CPF. Do you owe a lot? Did you not pay a lot of money? Do you owe multiple companies?
Santander Free Card with no annual fee
The most important thing is to always pay the invoice on time. Over time, the bank understands that you are a good customer, and that you need more credit limits, as you are not causing losses.
Tips for using your card without annuity
It is important to remember that the more you use the card, the more you will use your limit, you will not leave it idle, and consequently you will not even run the risk of having your limit reduced. Yes, this happens due to lack of use too. Therefore, try to concentrate all your expenses on your credit card. As a result, your credit limit will increase over time.
It is important to use your card for international purchases. We cannot guarantee this, but it is one more feature that the bank can consider as a parameter to increase the Santander Free card limit.
Finally, our tips on cards without annuity.
Another tip that can be nice is to request an increase in the limit through the application, at least twice a month. Always try to ask for at least double your current limit. You will notice with time, that the limit is being increased naturally.
