We know that when you are going to apply for a credit card, your profile goes through a financial analysis. In this sense, the status of the name and CPF influence the release of the service and the limit that will be made available for use in the credit card, that is, people in this circumstance, makes access to credit considerably limited, if approved.
But not everything is lost! There are modalities that banks and stores offer credit cards that can be purchased by those who have the name in the SPC and Serasa.
See below what these options are:
Prepaid card
Like prepaid card it is possible to top up at lottery outlets, deposits or bank slips in the exact amount you want to use on your card. It is the ideal option to have control over expenses, as it is only possible to spend the credit present on the card, without bills and without a headache at the end of the month.
To obtain this credit card, companies evaluate only basic information and release plans available to the customer. Better yet, you don't need to have a bank account or proof of income to buy this type of card.
Companies such as Mastercard, Visa and PagSeguro offer templates for different purposes, and you can order them online.
payroll credit card
The requirement to obtain this card is to be a civil servant, retiree or pensioner of the INSS, employee of the Armed Forces or working in a company that has a payroll relationship with some Bank.
Despite not going through a consultation at the SPC or Serasa, the finance company uses a credit analysis to define the card limit and verify the consignable margin.
To facilitate the process, Pan bank provides credit analysis through the website to apply for a payroll credit card over the internet. The service has no annual fee with a limit of up to two minimum wages.
Another option is the Bradesco. The company offers payroll-deductible cards under the Elo brand. INSS retirees and pensioners can apply for their credit card through the bank's call center.
Taking into account the above concepts, see below five card options who do not consult the SPC and Serasa to approve the request:
Index
- New Payroll Cash Card
- Neon
- BMG Card
- Consigned Ole
- Brazilian Business Bank
New Payroll Cash Card
In partnership with Elo, the card proposes exclusivity for granting payroll-deductible loans, so that it does not require consultation with credit protection agencies.
The service should serve in addition to INSS retirees and pensioners, also covering public servants and employees of private companies.
According to the president of the state-owned company, Pedro Guimarães, the card's interest rate will be below the range practiced by the market, from 1 to 2.5%.
- Free Online Inclusive Education Course
- Free Online Toy Library and Learning Course
- Free Online Math Games Course in Early Childhood Education
- Free Online Pedagogical Cultural Workshops Course
Neon
In addition to not having an annual fee, the Neon card allows the service to pay the bill through automatic debit, in order to make the consumer forget to make the payment.
Added to this, it is a good option for controlling expenses since it is possible to see the available limit and the credit card bill in one place.
BMG Card
As it is a payroll credit card, invoices will be deducted monthly from your customers' payroll. The service is aimed at retirees, pensioners and public servants. The advantage is the lower rates for INSS, no annual fee and not consulting the SPC and Serasa.
In addition, the card has a Mastercard brand, which allows consumers to have access to the Mastercard Surpreenda benefits program. Not to mention that it is internationally accepted and allows withdrawals through Banco 24Horas ATMs.
Consigned Ole
As it is a payroll-deductible credit card, the payment of the invoice is deducted directly from the payroll, Olé Consignado does not consult the SPC and Serasa to release the card.
Not to mention the ease and benefits that the service brings, such as: online ordering, international card. lower service charges, no annual fee and the possibility of withdrawals.
Brazilian Business Bank
The Brazilian Business Bank is a prepaid card that allows customers to recharge and use in purchases wherever the customer wishes.
Another option that the service offers is the loan made in partnership with Simplic. The loan can range from R$500 to R$3,500.00. But interest rates are very high, 15.8% to 17.9%. Therefore, it is essential to make the payment correctly and in accordance with the company's conditions.
You may also be interested:
- Next Card - How to do it, Annuity, Limit, Fees, 2nd copy and more
- Neon Card - How to do it, Annuity, Limit, Fees, 2nd copy and more
The password has been sent to your email.
