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?
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
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
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
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 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.
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