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Considering that currently more than 63.4 million consumers are in debt.
In this article, we will present 4 credit card options for those who are in debt, especially considering that currently more than 63.4 million consumers are in debt.
Can someone with a bad credit history have a credit card?
Many Brazilians seek financial solutions while dealing with credit constraints.
Although approval can be a little more challenging, there are specific modalities, such as cards consigned, prepaid and guaranteed cards, such as the one offered by Nubank, which do not consult SPC or Serasa.
1 – Caixa Simple Card!
THE Simple Box It is a credit card option that does not consult SPC and Serasa.
Specifically created for INSS retirees and pensioners under 75 years of age, it has the Elo Internacional flag, allowing purchases in Brazil and abroad.
A major difference is that part of the invoice amount is deducted directly from the cardholder's benefit, and the card has no annual fees.
2 – BMG Card Mastercard
The second option is the BMG Card, a credit card that does not check SPC and Serasa from Banco BMG.
In fact, it is accepted in all physical and online establishments that work with the Mastercard brand.
Furthermore, the customer does not pay annual or issuance fees to acquire it.
The hiring process is completely online and the requirement for approval is to be retired, an INSS pensioner or a Public Servant.
3 – Banco Pan Credit Card
In fact, the Pan Bank is one of the institutions that offers the best financial products to INSS retirees and pensioners. Credit cards are no exception.
After all, the creditor institution charges one of the lowest interest rates on the market for revolving credit. With this card, there is no annual fee and the credit limit is up to twice the amount of your salary.
You have the option of making cash withdrawals and paying in installments. Public servants can also have their credit cards approved immediately.
4 – Neon Credit Card
In advance, the Neon is a financial institution that has a partnership with Banco Votorantim. Together they offer several lines of banking products, such as digital accounts, credit cards, and even loan.
Therefore, to have access to the card, you must first have an active digital account with the Bank. You can carry out the procedure online through the mobile app.
In this sense, the amounts spent are deducted directly from the account balance. In fact, the Neon card is a partnership with Visa and does not have SPC or Serasa checks.
However, to release the installment credit function, the company carries out a credit analysis.
