Negative Credit Card How to Get it

Announcement

If you are with a negative name and also that your credit card is far away, you know that there are specific options for that specific credit card to be negative.

Next, we want to explain in a simple way how these products work, which are the main options available and what you should consider before soliciting.

Apply for a credit card without payment 💳 Solicitar cartão

With a cheerful and cheerful person, the idea is to unpack the universe and show that, even with restrictions, it is possible to access a credit card.

Entering the credit for negative

Negative credit is a way that banks and fintechs offer to people whose name consists of companies such as Serasa and SPC.

These institutions consider the risk of inadequacy greater and, therefore, adopt reduced limits and slightly higher legal taxes.

But this does not mean that you are unable to obtain a credit card. On the contrary: the variety of products on the market now grows just to wait for what is negative.

How does a negative credit card work?

In general, the credit card approval process for which you are negatively involved:

Simplified assessment of the return: some fintechs only require proof of residence and basic return, without detailed consultation at the SPC or Serasa.
Initial limits lower: to reduce the risk, the institutions grant us less generous limits, but which can be adjusted over time, in accordance with the payment history.
Taxes and fees: It is customary to be higher than traditional cards, but they are also very competitive in comparison to other credit lines, such as special checks or cash parcels.

In many cases, the negative credit card uses the guarantee, such as deposit or salary as a loan. It gives more security for the emitter and facilitates approval.

Main negative credit card options

Reunimos algumas alternatives found in sources such as Melhores Cartões and Serasa, highlighting characteristics that can help a school:

Card delivered by public counters: Discounted directly on payment date, customs for younger adults and no consultation with SPC/SPC. It is suitable for residents, INSS pensioners and public servants.
Paper with caution deposit: You will deposit a guaranteed value (generally between R$ 100 and R$ 1,000) and receive an equivalent limit. Algumas fintechs offerem es modelo sem anuidade.
Cartão digital de fintechs: Credit startups please contact us with a moderate consultation or without a consultation at Serasa. The custom limit is low, but it gives access to online purchases and control them via the app.
Card pre-paid with credit function: recarrerável, no credit validation and permits purchases in the credit function; ideal for practicality and without restrictive analysis.

Each modality includes advantages and disadvantages: as long as you are given you reduce the risk of inadequacy, or I pay you to offer more freedom, without traditional credit history construction.

Requirements and necessary documents

Here is a variety of agreements with the institution, the basic documents usually include:

Photo identification document (RG, CNH or passport);
Proof of current residence (light, water or telephone count);
Proof of return (holerite, bank overcharge or declaration of return tax);
Caution deposit, no case of guaranteed cards.

Some fintechs only require CPF and proof of completion, returning the process quickly and completely digitally. Before applying, check the official site for conditions and taxes, comparing or customer benefits.

Please use your credit card responsibly

Ter um credit card This negative is a great opportunity to reconstruct your historical finances. See some recommended gums:

Defina um limite de gastos: It has a maximum mensal value compatible with its performance and does not exceed its limits.
Pague a fatura sempre em dia: The main step to learning your name is to prove that your voice is a good payer.
Acompanhe pelo app: use the emitter application to check purchases in real time and avoid surprises on the invoice.
Avalie tarifas e anuidades: some free cards with juros juros tall in invoice; Check out the option that has zero cleanliness and competitive juros.
Avoid saques: The revolving loan is an emergency loan that is very high, almost always higher than the normal revolving loan.

Under discipline, you are not regular in your name as you can request an increase in limit and you can migrate to a conventional card in the future.

Conclusion

Even with the negative name, you can access a credit card and use the negative credit to your advantage.

Simply read the appropriate method for your filter - if it is on a signed card, pre-paid or with the deposit - and follow the practical instructions for use.

Check out the options on sites like Melhores Cartões and Serasa, compare taxes and requirements, and read: the secret is no financial plan and no on-time payment of bills.

Please check your credit reputation and open doors for new opportunities.