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The Casas Bahia Digital Payment Card has already helped thousands of Brazilians without access to a credit card to furnish their homes!
Casas Bahia is over 71 years old and is currently one of the largest retail stores in the country.
It was also one of the pioneers in offering credit to its customers, a method in which the consumer makes the purchase and pays in installments on a bank installment plan.
With the advancement of technology, the company also modernized its services, and in 2021 launched the Casas Bahia digital booklet, that is, an online version of your booklet.
Continue reading and learn more about this service, its advantages, how to request it and much more!
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How does the Casas Bahia digital booklet work?
The Casas Bahia digital booklet is a type of credit offered to its customers, and which brings many advantages.
With it, customers can make their purchases and pay in up to 24 installments, without needing a credit card.
The Casas Bahia loan booklet is already a credit product that is well-known among Brazilians.
Before, when credit cards were more difficult to obtain, this product was the only way Brazilians could make their purchases.
It has always stood out for its ease of approval and for being accessible to the population, especially when it comes to interest rates.
Over time, as credit cards became easier to obtain and online shopping increased, the booklet ended up becoming a little outdated.
To reverse the situation and win over customers, the digital payment slip was launched. It works like a regular payment slip, but must be used to pay for purchases on the company's app or website.
In addition, bill payments are made through the Banqi digital account. Through this account, customers can also monitor payment progress, check debts, and perform other actions involving this service.
Therefore, there is no need to go to a physical store to pay or resolve any problems.
This type of credit is offered in the Banqi digital account, which we will talk about later, so to access it, you need to download the app and open an account.
What are the rules for purchasing using the Casas Bahia digital booklet?
There are some rules for purchasing with this credit, the first of which is that the product must be sold and delivered by Casas Bahia or selected retailers.
However, this is not a problem, since the company informs on its website that there are more than 5 million products available for those who wish to purchase with the digital booklet.
You will certainly find what you are looking for.
Another rule involving this credit is that the delivery method of the product must be Standard Delivery or Scheduled Delivery.
Last but not least, this is not a rule, but an advantage, is that products sold and delivered by Casas Bahia can already have Extended Warranty and Fique Seguro insurance.
How does the entry work?
Customers who have an approved limit and their purchase exceeds that limit can pay a higher deposit.
When making the payment, simply inform the deposit amount, then the installments will be automatically adjusted based on the deposit informed.
Choose the number of installments and that's it! Finalize your purchase with the Casas Bahia digital booklet.
In many cases there will be a mandatory minimum deposit amount, but it is possible to choose a higher amount; the higher the deposit, the lower the installments and interest will be.
It is also possible to choose other entry values and number of installments, which makes this service flexible and easier to fit into your budget.
What are the benefits of the Casas Bahia digital booklet?
With this service we can save our credit card limit or buy in installments even without having that product.
Speaking of which, the installment plan can be up to 24 months, which is great, as we can pay in installments that don't harm our budget.
In addition, we will have more time to pay off the debt. Even so, the ideal is to plan ahead and pay in as few installments as possible to reduce the incidence of interest and not be tied to a debt for too long.
Another advantage worth highlighting is that the interest rate may be lower than those applied to credit card installments.
Customers who purchase products using the digital booklet have access to many discounts on products sold by Casas Bahia and also on the marketplace.
In addition to being an affordable product, it has easy approval and no bureaucracy, but it is important that the customer has a good relationship with the company, a clean name and a good financial record.
The penultimate advantage I would like to highlight is flexibility, as it is possible to make larger deposits when the purchase exceeds the available credit limit.
This way, the customer does not need to give up on the purchase.
Finally, it is important to highlight that you will not have any major ties with the company, when the debt is paid off, you do not need to continue paying annual fees, for example, but you may have access to a limit.
How to apply?
THE Casas Bahia digital booklet can be requested online, that is, without the need to go to one of the stores.
To access the product, you need to open a Banqi digital account. The payment slip is subject to credit analysis, so it may not be available as soon as you open your account.
However, continue using the services it offers and taking advantage of its benefits. Over time, the service may become available and you can then make a new request.
The order can also be placed in a physical store or on the website. In the latter option, you can choose a product and, at the time of payment, select the digital payment slip. If you have an available limit, the purchase will be approved.
If you are already a Banqi customer, access the “Carnês” tab in the app and see if there is a limit available for you.
Now that you've discovered How does the Casas Bahia digital booklet work?, discover your digital account, Banqi.
About Banqi Digital Account
The Banqi digital account is free and 100% digital. It is known for its simplicity and ease.
For example, to open your account, you don't need to send a bunch of receipts or documents, you just need your CPF and be over 18 years old.
If you wish to have access to credit products, you will need to complete the registration by sending some documentation, such as proof of income.
In the account, you can make payments, make Pix payments, buy with discounts and cashback on the Casas Bahia website and much more!
Other than that, it is the main bridge for you to have access to other services, in addition to the digital booklet, such as those that will be presented in the next topics.
Personal loan
At Banqi, customers can have a pre-approved limit to request a personal loan. Values can reach up to R$1,400,000 and payment can be made in up to 18 months.
Interest rates are customized according to each customer's profile, but the fintech informs that the rates are lower than the credit card revolving credit and the interest rates are lower than the special check interest.
The Banqi personal loan is available on the app. If you don't have any available proposals, you can activate notifications, because as soon as you have a pre-approved limit, you will be notified.
When applying, the process is very simple, you just need to answer a few questions about your occupation and monthly income.
This way, the company can outline your financial profile and offer a personalized product.
Banqi prepaid card
This card has no annual fee and is an important tool to help you maintain financial control.
Its brand is Mastercard and it is accepted in thousands of establishments in Brazil and abroad.
In addition to purchasing from foreign websites, customers can also subscribe to digital services and purchase online.
It also pays cashback at Shopping Banqi and gives you access to many exclusive promotions.
The card also has a partnership with HBO, as a result, you get 50% off HBO MAX.
To request yours, you just need to make a deposit to your Banqi account and order your Banqi prepaid card.
In addition to the prepaid card, this store has its own Visa credit card. Among the advantages it offers, we find Price Protection Insurance and exclusive offers.
Find out more details and how to request yours on the Casas Bahia website.
Conclusion
Casas Bahia has always been a company that has been part of Brazilians' lives and helped them in their achievements.
Always offering affordable and hassle-free services, to remain among the best, she didn't think twice about reinventing herself and creating innovative services.
An example of this is your Banqi digital account and the services it offers, such as, for example, Casas Bahia Digital Card.
Be sure to check out these services and take advantage of all the benefits they offer.
It's the same company as always, but in a new environment, the digital one, with services that aim to make life easier for Brazilians who have adopted the practicality of digital consumption in their lives.
On our blog you will find content that helps you always choose the best financial services and products on the market.
