Complete guide to download your best credit card

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Check out your ideal credit card and go to the easy way to accept the offer: simply read the details, compare customers and analyze the benefits. Confirm, to follow, a step by step to reach a certain decision.

Apply for a credit card without payment ➡️ Solicit negative paper

1. Define your profile and objectives

Uso do cartão: Buy diaries, travels, emergencies?
Payment of balance: Do you pay the invoice in full every month or the balance?
Histórico de crédito: Is your score in good shape or have you seen anything else?

Responding to this article helps you identify whether the specific item on a card with cashback, rotary legal base or more flexible limits.

2. Check out the main types of paper

Tradicional: Even with great benefits, even with high demands.
Com recompensas: Pontos, milhas or cashback with each purchase. Ideal for those who always have a bill.
Travel/premium: Air travel, VIP lounges and travel security. Generally there is high levels of humidity.
Garantido (secured): Require a cautionary deposit, indicated for this negative history.

3. Analyse taxes and tariffs

Anuidade: Compare values and program to redeem or purchase discounts.
Juros rotativos: Cruciais if you don't pay or total invoice; prefira taxas mais baixas.
IOF e tarifa de saque: Important for those who intend to use the paper outside or in bags.
Tax for conversation abroad: Brands like Visa and Mastercard offer a percentage above international purchases.

4. Avalie os benefícios adicionais

Security (travel, accidents, purchasing protection)
Assist in travel and medical emergencies
Access to VIP lounges at airports
Extended warranty for electronics
Discounts and offers in parcels

Check out the advantages that you will actually use, so that they can compensate for the damage.

5. Check your credit history

Access our beer relations (Serasa, SPC, Boa Vista).
Corrija eventuais errors de cadastro.
Maintain the gas counter at all times to preserve the score.

A good score expands the chances of approval and improves the conditions (limits and laws).

6. Compare offers and simulated versions

Use comparison sites or apps to evaluate, side by side:

Anuidade vs. issenção por gastos
Juros efetivos anuais (CET)
Programa de recompensas
Requisitos de renda mínima
User endorsement and reputation of the institution

7. Preencha o pedido com cuidado

Inform correct and complete data.
You have to prove it to me.
Watch the analysis; In some cases, approval is instantaneous, in other cases, please check.

Considerações finais

Check out the ideal credit card that requires planning and shopping. Avalie is not limited to the advantages, but total cost of use. A well-read paper helps you control your gas, accumulate benefits and keep your finances healthy.