This is another one of those cards that are popular on the internet, but many people don't know about it yet. It's nothing new that large digital credit cards are increasingly gaining fans around the world.
Especially because the ease of being able to control all expenses and manage your credit card within the application is fantastic.
With advances in technology, digital credit cards are becoming more popular and you will most likely still have one. Because the advantages of having not only a digital credit card but also a digital account are countless.
It is important to say that most financial institutions do not charge annual fees or fees because the fixed cost with many employees or agencies is much lower. There is less bureaucracy and there is no need to print several pages of contracts.
The user can manage the entire account or card through the application, the service is more humanized, the social networks of these fintechs listen to customers more, among other advantages.
See below the advantages and disadvantages of Pag!
Main advantages of Pag!
- International credit card with no annual fee
- Fee-free digital account
- Unlimited withdrawals through Banco 24 Horas
- Unlimited TED for any bank
- Free duplicate card
- Digital invoice
- Mastercard Surprise
- Chat support through the app
- Bill payments and bank slips
- Cell phone recharge
Check out the main disadvantages of Pag!
- It is not possible to receive DOC/TED from other banks. Sending is only allowed;
- The account is only available with a credit card attached. In other words, negative people are unable to use the service;
- There are no investment and savings options;
- Another thing that is also not possible is registering automatic debit accounts;
- There is no possibility of coverage by the FGC (Credit Guarantee Fund);
But it is necessary to explain its other negative point is that it does not allow the user to receive transfers via DOC/TED or the deposit of checks and there is still no protection from the Credit Guarantee Fund.
Finally, so as not to make this article too long, this card is undoubtedly a good option for those who wish to have a credit card or have not been approved for another digital account such as Banco Inter.
