10 Reasons to Ask for a National or International Credit Card


Ask for a card – how, when, where?


 Ask for a card - how, when, where?


When you are dealing with credit cards, there are several different information that you need to know.

It is important to understand all the advantages and disadvantages when dealing with your finances and budgets related to your salary and income. Just remember that your finances is one of the most sensitive and important areas of your life.

In finance, the ideal is to get the most out of it in every way.


As a good card user, I take full advantage of all the benefits they can give me, use them so well, that I do not see myself in any moment if I make use of one or more cards that I possess.


Are Credit Cards Bad?


Are Credit Cards Bad?


As I said, in one of the paragraphs above, many people believe that credit cards are bad and that no one in their right mind should use them.

But why?

In general, anyone who has or has problems with debt or over-indebtedness usually has the foot behind with the use of card, whatever it is. But even if you do not like credit cards , I think having a good financial education, there are no problems.

Not all citizens who are indebted are due to the uncontrolled use of this type of credit, and it is worth mentioning that it is possible to:

  • Make Money With Cards
  • Get money back
  • Get special bonuses
  • Use Expense Benefits
  • Make travels for free
  • Have exclusive discounts and many other benefits using credit cards

In this article we will explore the different advantages of credit cards and some of the different ways you can use them.

We will try to answer some questions that are hovering in the air, we will also give some tips on the wonderful world of the most used plastic in the world – the cards.

I know people are different, think differently, and live in an exclusive way, that means that not everyone needs a credit card , but this type of person is a minority.


Are credit cards good?


Are credit cards good?


If you read the first paragraph of this post, you know my honest opinion about having credit cards. Far from being bad, credit cards can be a great asset, either to organize savings, to create credit or to gather rewards.

But, we can not fool ourselves, there are times that actually ask for credit card , have it approved and use it can be very damaging to your finances, your salary, savings and your life.

Read all to know the good, bad and ugly side of credit cards.


What is the best way to use credit cards?


What is the best way to use credit cards?


1. Build credit history: Making small purchases with cards and paying them on time, without delays, is a great way to establish credit history and score.

Without credit score or without having credit history, it can be difficult to get personal loans such as:

  • Banking personal loan
  • Student Loan Home and Vehicle Financing
  • Financing with mortgages or home equity
  • Getting some types of jobs

* If you are able to secure a personal loan without consultation , the interest rate may be higher than in banking modalities.

Having a good credit history can help you save thousands of dollars on virtually all types of loans that exist.

For example, when you apply for a home equity loan, the difference between a candidate with good credit score and a flawless credit history versus a nominee with a bad name, a bad name, or a poor credit history can be in the thousands of dollars in the outstanding balance.

Keeping a credit card and making invoice payments on time, is one of the easiest ways you can build credit history.

2. Source of cash resources and credit for eventual emergence: I mean use for a real emergency. Having a real emergency fund is always important – why? Not everyone has $ 1000 in cash to buy urgent airline tickets, do the car repair, deal with a sudden accident, etc.

And, in my opinion, paying 12% interest is much better than paying for a loan with loan sharks, or making a loan at Crefisa. Some personal loans for negatives can apply interest close to 2500% if contracted for a year (12 months).

As we mentioned, having your cash emergency fund in a savings account is a much better idea, but if you do not have that availability, having a credit card can be one of the best ways to pay unexpected bills and expenses.  

Your credit card can meet the need for money your family needs.

One more important detail, the cards have fraud protection for wrong debit purchases, but the cardholder must notify the financial institution of the card as soon as possible.

4. Undue or disputed charges : When you open a dispute regarding a charge on your credit card, most credit card companies take the charge off the invoice until the dispute is resolved.

With this, the money charged can be repaid without much difficulty, especially with bad faith companies using inappropriate means or making misleading offers.

5. Card Rewards: Many credit cards offer rewards including: (cash back) cash back , air miles (smiles), discounts on stores and trade, discounts on products and services, and many others.

Most of these rewards and special benefits are created to get people interested in using the cards or spending more than they could spend, but if used wisely and correctly reward points can generate a lot of money saved.

Some credit cards offer a bonus or exemption at the annual rate, are known as non-annuity cards, this benefit can generate hundreds of dollars saved over a year.

6. Convenience and practicality: Do not like carrying amounts of money in the wallet? A Visa Credit Card or Mastercard is the solution! If you lose, if the card is stolen, just block and ask for cancellation.

Credit cards are small, convenient, convenient and have the best consumer protection available.

They are also effective in making purchases of products, paying for online services or financing the purchase of large items in reais, dollars or any other local currency.

Another convenience of the card is in travel. Depending on the type and category of your card, you do not even need to buy or exchange coins (local money). Some credit cards offer special rates for foreign currency transactions.

7. Rental and Car Rental: Some car rental agencies do not allow you to rent a vehicle if you do not have a credit card to place as collateral for payment.

Even rental companies and agencies can afford to lease a car with a debit card but they can hold a substantial amount of money out of their credit limit until they return the car on the agreed date.

In this situation, you will not be able to use these account features during the time you are leasing the vehicle. It is worth mentioning that there are credit cards that provide additional liability insurance when you rent a car in addition to the travel insurance.

8. Extended Warranties: Many credit card companies provide extended warranties on items and products that you purchase in the trade. There are cases where the manufacturer’s warranties are doubled.

This benefit can be a great resource!

9. Short-term loan: Credit cards generally have a grace period with zero interest cost until payment due from the monthly invoice. This loan with interest zero arrive 6/7 weeks, which allows you to buy now and pay only in 45 days.

For purchases of expressive amounts, pay installments is a form of interest-free financing. As time goes by, you can make money by investing or by saving the amount that would be spent if it were paid for.

10. Financial Control Tools: Most credit card companies and administrators provide detailed transaction records that can be easily downloaded to free finance control tools for account and expense management.

This makes home budget control much easier to track down and create a plan. (I.e.


The Bad Side of Credit Cards


The Bad Side of Credit Cards

1. Temptation to Buy and Spend: With a credit card, it is much easier to fall into the trap of spending compulsively, ie more than you can afford. It does not matter if you do not have money in the bank, one step on the little machine, and the card will buy whatever you want.

Never forget, card purchases need to be paid every month to the lender.

Credit cards certainly mess with your finances, they will increase or decrease based on the liability with which the carrier manages their expenses.

Not to lose your way, making a budget and maintaining self-control are key to reap the benefits that credit cards provide, otherwise the consequences are disastrous.

2. Owning a lot of credit cards: These days, credit cards are becoming easier to obtain, with the advancement of credit fintechs, digital accounts and cards without consultation, anyone, even with restriction, can get credit at any time. time.

The more credit cards a person owns, the more he is likely to incur more debt, and over time will be unable to repay the amounts owed, meaning he will default.

To avoid being one with more problems with credit cards, avoid requesting more than 2 or 3 cards. Avoid especially soliciting card from stores that usually have extremely high interest rates.

3. Damage to credit and history: If you abuse your credit card, spend beyond your resources and fail to make payments on time, it will certainly destroy your reputation, credit score and your name will be denied at Serasa / SCP / Good view.

Remember that your score and high or low credit score is determined by your ability to make responsible payments on multiple lines of credit over time.

Any account you fail to pay is detrimental to your score. Spend wisely! Use your card to help you and not to harm you!

4. Interest Rate, Fees and Fines: Again, liability is essential for anyone who wants to carry a card in their pocket. If you constantly make late payment payments or sink into debt after debts with the card, this will create a growing debt accumulation.

The tip is to automate payments and always spend within your budget. These are excellent ways to ensure you pay the bill without delay on the due date.

If you are trying to get out of your credit card debt because you can not settle the balance, or because the interest rates are too high, consider making a loan to consolidate the debt with cheaper interest.


Credit card invoices must be payable every month


Credit card invoices must be payable every month


To take full advantage of the benefits listed above and avoid the ills caused by misuse of the cards, the cardholder must pay the full balance of the invoices in full each month.

Reminder : “When used correctly, credit cards can be a very useful tool for someone’s life.”

However, when they are not used properly, the cards can be very bad! True destroyers of finance and reputation.

Now .. if you do not believe that the cards have so many benefits to convince you to use them, as the credit cards, try the debit cards , they are great for carrying out cash transactions with cash payment.



The 10 reasons to ask for credit card listed above are beneficial for anyone who wants to acquire them and use correctly, and of course, do not leave invoice balance behind.

Ideally, you should use credit cards to make everyday purchases and pay the bill in full each month when your due date arrives. In my opinion using credit cards is not a problem, it is a solution, not using it would make me lose money.

Everyone can benefit from having a credit card, but you should use it responsibly.

Cat leap is responsible use. If you know you can not handle it, then do not and do not ask for one.

I know sailing in the financial waters is not easy, but that’s why we’re here, it’s to help.

To conclude, know that there are dozens and dozens of types of credit cards on the market, which means that there is one that will work very well for you.


Credit Card for Negativado



Did you know that even if you’re “down”, you can get conventional and virtual credit card fast and easy?

“Many Brazilians nowadays want and even urgently need to get a credit card to refuse or do not routinely consult the Serasa and SPC, since they have the dirty name.”

By looking at Google Search we can see that there are thousands of searches done on the internet daily on how to get a card even if it has the dirty name on the square or card for negatives.

In recent years, the growth of the search for this type of personal credit has occurred in parallel with the emergence of these digital accounts and prepaid cards. These offer digital cards exempt from annuity, some fees, as well as other benefits for those who are even negativado.

In fact, getting a credit card for people who have been denied has proved to be one of the best solutions for anyone with bank problems and the name registered in the SPC / SERASA / SCPC systems. In this way, the conventional possibility of purchasing a card with limits for purchases can be discarded.

Having restrictions on the name is something that is becoming commonplace in the face of the financial situation and the crisis that the whole country faces. It can occur in social classes, low and middle, and for a variety of reasons.


Getting Credit Card For Negative – Is It Possible?

  • What is the purpose of having a credit card?
  • Possibilities to get a credit card for negativado
  • How to get credit card for bad
  • Where credit card can be made negative
  • The advantages of virtual card to negatives
  • The disadvantages of using card-created negatives

Getting Credit Card For Negative – Is It Possible?


 Getting Credit Card For Negative - Is It Possible?

However, regardless of having debts to regularize in certain institutions, it is possible to get credit card without consultation without any bureaucracy. Thus, bad credit history or the incidence of other debts does not prevent the required hiring.

Get a card without frustrations, no denied requests, no lengthy waits. That can be good, right? Get rid of the query to the institutions that do the credit information records, as well as the score (score and credit report), it even looks like a dream.

What is the purpose of having a credit card?


The use of this way of using credit can have the effect of the following financial possibilities:

  • Building a good credit history when making invoice payments in full and up to the due date
  • The increase in the credit limit from time to time and the accumulation of prizes and bonuses
  • Control of incoming income and outflow of money, balance of financial life when well used

– It is worth mentioning that an individual who can not control their spending, purchases and nor organize their income according to the credit limit, ends up falling into a big trap. Those who use the credit card consciously, have in it an ally in the monthly budget balance.

Possibilities to get a credit card for negativado

Possibilities to get a credit card for negativado

If you wish to order a negative card , you can do so in a relatively simple way. There are several cards available in the market for those who have the dreaded restrictions. The acquisition does not differ much from the conventional card.

Making the request and purchase of a credit card with restriction on name and without consultation is relatively faster and less bureaucratic.

However, it has exorbitant interest rates, fees and charges. This particular characteristic end up making this kind of credit almost unfeasible.

Generally speaking, bad credit card serves more as an electronic means of carrying money . That is, instead of carrying cash, carries the so-called “plastic money” to make small payments.

Remembering that we are talking about low credit limits, not those with higher value or the “no limits”. These are practically impossible to obtain when one has the name registered in the SPC or SERASA.

How to get credit card for bad

How to get credit card for bad

The alternatives in this case are :

  • Ask a family member or friend to give you a card with additional credit. This requires a good deal of confidence, since credit will be provided to those who are already negative.
  • Request in companies such as Nubank, Neon, PAG and Original and others.
  • Apply at a financial institution, or hire at specialized stores of the type (Renner, Marisa, Riachuelo, Pernambucanas etc.) or make a prepaid credit card. Here you can find out how to compare credit cards the right way.

Nowadays, there are several options available in the market. The biggest advantage is the chance of building or rebuilding a good credit score.

As the ranking and score increase, in addition to being clear in the credit history over time, there is the opportunity to purchase the conventional credit card . This can be benefit with other financial operations and the various as types of personal loans and financing.

Where credit card can be made negative

 Where credit card can be made negative

A quick and easy way to find the means for acquiring credit card without consultation is on the internet. There are several options available in the market, such as “Nuconta “, And the” Brazilian Business Bank Visa “, among others.

AccessCard Card : Offers several types of prepaid virtual cards where the customer chooses what best suits their conditions. Purchases can be made online, both in Brazil and abroad. The use of Card Access it’s like a conventional credit card.

Pag Card : The prepaid digital card Pag does not depend on any proof of income or credit analysis. Purchases can be made online, both in Brazil and abroad. Usage is like a conventional credit card.

Nubank Card : Brings an innovative design, drawing attention by focusing on new trends in the financial market. Purchases can be made online, both in Brazil and abroad. Usage is like a conventional credit card. ” Naked Card “.

BMG Master Card : It is for those who are pensioners of the INSS, retired, public servants that has limit according to consignable margin.

The advantages of virtual card to negatives

 The advantages of virtual card to negatives

The use of credit cards for virtual or physical negatives makes it possible besides the ease of use of money and national and international purchases, it also accelerates the restoration or construction of credit score or credit score.

In addition, not with the use of the cards, there are no surprises in the payment of the invoice, nor surplus expenses, nor any way to exceed the budgetary limits. Perhaps “non-debt in prepaid cards” is one of the biggest advantages of this type of card.

The disadvantages of using card-created negatives


Unsecured virtual credit cards for negatives can have burdens and interest rates that are larger than conventional cards.

Also, there is a considerable reduction in the credit limit offered in conventional and there is no limit on the prepaid, what you put on credit is what you can spend on purchases debited to view.

By the way, explaining better, in prepaid cards, who determines the limit is the user himself. However, there are some fees that institutions charge that sometimes they are free, in other cases they are not. In the long run, prepaid debit cards can become costly on fees and charges for operation and maintenance of use.

Was reading the information in this article helpful in any way? If so, we invite you to share the post on your social networks. Thus, more people will become aware of what it is and how to acquire a credit card for negativado or without consultation .

Credit card for negativado Average 4.8 – 36 votes
At Richard Feverel, we adhere to rigorous standards of editorial integrity to help them make informed decisions. Some of the products we present are from our partners. Understand how we make money.

Online payday loan services -See more and then Request a credit bad loan

Do you want to borrow money, but do not you want to give the price you want to spend the money on? Borrowing without a declaration of intent is possible with online loan providers!

Everyone is sometimes short of cash and borrowing can sometimes offer a solution. If you decide to take out a loan, it is logical that you find it private to which you are going to spend the money. Maybe you do not even have a specific goal or maybe you have a specific goal for which you will not get approval, like for example financing a vacation. Because borrowing money is your own business, it is nice if you can take out a loan without a declaration of intent. You can then easily and quickly borrow money, for which you also need this money!

See more and then Request a credit bad loan

These loans are meant to help as many people as possible as quickly as possible. To this end, there are not many conditions attached to these loans. Furthermore, these loans are easy to close and ensure that you have money available on the same day. Without having to leave the house, because you take out credit bad loan on the internet after Click This Link! In addition, you do not have to pay interest on these loans! On the other hand, you can only borrow small amounts from online loan providers.

Borrowing without a declaration of intent is also possible for you!

These loans are therefore easy to close and possible for almost everyone. That is because, if you want to take out a loan, you only have to meet two requirements: that you are 21 years of age or older and that you have fixed income. This solid income is not important, this may consist of salary, but also student finance, health care allowance or child benefit are seen as income and enable you to take out a loan with online loan providers. Furthermore, it does not matter what papers you have and how much income you have. Also, a blacklist notation is not a problem since there is no blacklist assessment for the loans involved.

Borrowing without a declaration of intent from the Netherlands

Although these loans are provided by Belgian online loan providers, it is also possible to take out such a loan as a Dutch citizen. It does not matter whether you live in the Netherlands or live in Belgium if you want to get money quickly!

How many euros can I borrow without a declaration of intent?

These are loans of relatively small amounts, namely amounts up to 1000 euros. Do you want to borrow a larger amount? Sometimes it is possible to take out multiple loans without a declaration of intent at the same time and still get more money. In any case, an amount of 500 euros for the repair of your car, 700 euros for a holiday or 900 euros for paying the rent is immediately possible. You can also arrange this directly today!

How to Qualify and Get Your First Credit Card



How do I get my first credit card

  • Using your credit card responsibly
  • How do you first take out a credit card?
  • 1. Have a proven and verifiable income
  • 2. Have a guarantor or guarantor
  • What is the easiest credit card to get first?
  • Order your first store credit card

How do I get my first credit card

How do I get my first credit card

If you have never had a credit card or a personal loan taken on your behalf, you probably have no history with creditors and credit and banking institutions.


It really is a fact that it can take a few years to create a good credit history that is really robust to get a higher credit score and benefit from interest and better terms.

How can a credit card help you achieve your goals?

Having a payment history (Positive Signing) is one of the strongest factors in determining your credit score, start by signing up – it’s free.

Having a good score and clean name on the square in addition to the historic helps you to qualify for the best interest rates and more flexible deadlines.

When you need another type of personal credit or financing, ex: a bank loan, a car refinance, a new pre-approved loan (auto loan), or even a mortgage – the score will help a lot.

Once you start paying your credit card bill at maturity each month, you will begin to receive positive entries on your credit report. Over time, this will add up and increase your score.

Now it is important to note that as long as you pay your minimum balance due every month until the due date, it counts as a payment on time.

But here is the trick you can never forget.

On the credit card, either pay the entire balance or leave a part in debt, and any amount you do not pay at maturity automatically starts accruing interest. So the next month, your balance will be higher, even if you do not make new purchases or expenses on your credit card.

Using your credit card responsibly

As your credit card debt can skyrocket if you continue to use your card without paying everything, it is important not to use it if you can not pay the bill in full. Or, it’s good to have a financial reserve for an emergency.

Before you spend spending on your credit card, make sure you have income or enough cash balance to pay the bill that will arrive in the future with the charges.

If you are just wanting to borrow your first credit card as a way to build your credit, then all you have to do is use it to pay an account or two per month.

You can set your credit card bill to be paid automatically through your checking account or create a monthly reminder. This way, you can avail payments on time or in installments.

Remember, even a late payment can cause a big drop in your credit score.

Create a plan that allows your credit card to work for you, not against you.


How do you first take out a credit card?


How do you first take out a credit card?

There are usually two ways to get approval for your first credit card , especially if you are under 21 years of age. See if any of these two methods is a possibility that fits your time more easily.

1. Have a proven and verifiable income

One of the biggest factors that credit card companies look for is the proven income because it shows that you have the financial means to pay your minimum balance every month.

Unfortunately, your parents’ salary does not count, so if you do not have an income that is received each month, it does not help you to get a card.

Basically, you need to have some kind of work, either part-time or full-time. You can also file your Income Tax or bank statements. Some receipts may be considered income.

When it comes to reporting proven or verifiable income, you need some sort of documentation, be it tax returns or pay stubs on your behalf. You may not be required to provide them, but you will need them at hand if they are actually requested by the card companies or administrators.

2. Have a guarantor or guarantor

If you do not have a declared source of income or simply want to have a slightly larger line of credit, consider using a guarantor or guarantor, calmly, you do not have any roll in this business, you are simply a holder for your credit card application.

This holder can be a family member (father, mother, brother etc.) or even a close friend who has an established credit history and is willing to give you an additional credit card with you.

However, we can not stop writing some warning words for you before and ask your parents or older siblings to be your guarantors by giving them an additional credit card. Know that any irregular activity on the card will affect the CPF and the name of who is financially and civilly responsible for your card.

If you owe money to the card, the debt will be listed in the debtor reports of SPC, Serasa and Boa Vista, as well as late payments.

What is the easiest credit card to get first?

Many credit card companies have launched cards of the most varied modalities, from prepaid cards, to credit cards to negativado or restriction to the cards without consultation of the CPF. Anyway, what is not lacking are types of cards to choose from.

Just be sure to compare your best options because there are many special card offers that often have hidden fees and very high fees in addition to interest rates or annuity fees.

A practical tip is to check with your bank if you already have a common bank account, digital checking account or savings account.

Sometimes the relationship between you and the institution can make it easier for you to get your first card with no bureaucracy. Here are some other options to consider when looking for your first credit card.

Order your first store credit card

Nowadays any large chain of stores offers several types of credit cards, be it a department store or specialized retail stores such as Casas Bahia, Riachuelo, C & A, Marisa Stores etc., they are generally easier to obtain approval because they start with limits credit.

Typically, you can even place the request directly in the store carton or in the card industry that virtually all of them have. But, just like any financial product or service, retail store cards come with some limitations.

Just be sure though, that if you do not use your retail card as your shopping pass or to access some kind of reward bonus, if you have annuity you will need to pay off the balance every month, otherwise you probably will be paying interest on delays, even if they are small amounts.


When you start to apply for credit cards, and be denied. This is likely to happen if you do not have any credit history. But be strategic with your requests. Start by ordering smaller cards such as Nubank, Next, Inter Card, Original Card and more.

Do your own research to find the best type of card for the current customer profile.

Using these few tips, you can start building your financial history with your first credit card .

But, go ahead and use it responsibly!

How to get your first credit card Average 4.8 – 15 votes
At Diedrich Knickerbocker, we adhere to strict editorial integrity standards to help them make informed decisions. Some of the products we present are from our partners. Understand how we make money.

Debt | What Happen If I Do Not Pay a Personal Credit


Consequences of not paying a personal credit

The payment of a credit or personal loan must be more important than the payment of other expenses that you have. Not paying a debt to a bank or a lender carries with it consequences that can be a problem over time. Some of them are:

  • The first time the fee is not paid , late interest on the debt will be applied , regardless of the interest that the debt bears on its own. Interest on arrears is usually very high, so the debt will be much higher.


  • When three defaults have occurred, the bank can claim the debt judicially . If it is a high amount of money and you have assets, they can be seized. If you do not have assets, you can seize part of the payroll or the money that is regularly received, always with a limit. The embargo can arrive at any time while the debt is not paid, so, if at this time, you do not have money and within a few years, the embargo can take place at the moment in which the debtor has money or of some good in the present or in the future.


  • The debtor will be included, in all likelihood, on a list of defaulters. If this happens, it will not be able to request credits or loans from other entities, either banking or private capital . The time in which you can be included in a list of defaulters is six years, these lists are consulted by most companies before granting a loan to a client. The fact of being on a list of defaulters will not only affect the possibility of being able to access a loan or a loan, these lists are also consulted by other companies and can even interfere in the possibility of carrying out a project with a company or person in particular.


What to do to face a debt?

Although it is not always possible, since unforeseen events occur, it is necessary to have a monthly expenditure plan. The payment of a personal credit is one of the most important fixed expenses that are assimilated, as well as the payment of housing, electricity, water, gas and food. When a loan or a loan is accepted, it is necessary to take into account the quota that is going to be paid and include that money among the personal expenses.

Credit institutions, both banks and private equity companies, prefer to charge before reaching judicial situations . If the payment deadline is to expire and it will not be possible to deal with the debt, it is very important to contact the creditor company in advance.

Most likely, they offer other alternatives to negotiate the payment of the debt , such as a deferment, a deficiency or a refinancing of the debt. It is important to deal with the problem before it becomes serious. All people need help at some time and nothing happens to let the entity know.

If you also have a guarantor, it is necessary to take into account the consequences that will bring the person the non-payment of the loan or loan. The creditor entity can decide the request for the seizure of the goods or payroll of the person who has guaranteed the loan, which will be a serious prejudice to it.

In the case of not being able to face the debt, it is better to notify the person who has put their assets as collateral, it may be possible to find a solution by speaking. When several people agree, the solutions are easier to find. Although it is a really uncomfortable and unpleasant situation, it is important to face the problem in all possible ways.