Want to have a credit card with a limit of 500 reais? Read the text and find out where to apply for yours!
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Having a credit card with a limit that meets your needs is great.
However, it is not always possible to obtain this credit initially.
When a bank has any observations regarding a customer, it releases a low initial limit and increases it according to usage and payment of bills.
Despite there being many people looking for credit cards with high limits, Some are content with affordable limits that won't compromise their income or threaten their finances.
Therefore, in today's text you will discover some credit card options with a limit of 500 reais.
In addition, you will find some tips to help you get approved more easily in the credit analysis.
Don't miss it!
How to apply for a credit card with a limit of 500 reais?
In this topic you will find details about cards with a limit of R$500.00, and you will also find out how to request yours.
These cards are easy to approve and also offer many benefits to their customers.
Before checking our list, please be aware that the limit of card is defined by the bank through credit analysis.
In fact, the result may vary depending on each client’s financial profile and other requirements.
However, in our list you will find alternatives where the minimum initial limit is around R$500.
To make your search even easier, at the end of the text you will find some tips that will help you pass a credit analysis.
Follow!
1. Itaú Click Visa Platinum
This card is one of our favorites, we really like to recommend it to our readers due to its range of advantages and benefits.
Firstly, it has no annual fee and the minimum income required to apply for it is just R$800.00, less than the current minimum wage.
With it, you can enjoy many benefits when making your purchases in Brazil and abroad, as it has international coverage.
It is available on Visa and Mastercard, and its version is Platinum, one of the best variations on the market, as it offers good value for money.
Some of the benefits it offers vary depending on the chosen flag, but among the benefits offered by the issuer we find, for example:
- Iphone Forever Program;
- Itaú Tag free of queues and monthly fees pay with the Click card;
- Virtual card;
- 4 additional cards with no annual fee;
- Itau Shop;
- Points and cashback
- Discounts from partners;
- Digital wallets.
With the benefit +Limit, the bank increases your limit after the third month of use. You just need to use the card, pay the bill on time and keep your name clean.
Therefore, if you receive an initial limit of less than R$500.00, you can increase it quickly and easily.
2. Credit card with a limit of 500 reais – Credicard now Iti
The Credicard card is now part of Iti, but it still maintains many of its benefits for its customers.
Credicard customers have access to the same services, but if you wish to apply for this card, please note that it is now only possible to apply for the Iti credit card from Itaú.
So, let’s introduce you to the benefits offered by Iti.
In addition to having no annual fee, your digital account is also free and the balance yields 100% of the CDI, more than in the savings account.
The median limit is R$10,000, but according to the bank, some customers can get the maximum limit of up to R$10,000.
In this digital bank, you have the opportunity to carry out missions and follow tips to get your credit card or increase your available limit.
Its brand is Visa and its variation is Platinum, so customers can count on Visa Platinum benefits and many discounts.
The physical card does not have numbers, making it a more secure product. Speaking of security, it also offers a virtual version so you can make your purchases with more confidence online.
If you wish to request yours, download the Iti Itaú app and register.
3. Santander SX
The initial minimum limit of this card is R$250.00, increasing your chances of getting one credit card with a limit of 500 reais.
It is a very practical card, ideal for those who do not want a robust credit card at the moment.
The minimum income for hiring is only R$500.00, if you register and keep your CPF and cell phone number as Pix key in a Santander account.
Other than that, the minimum income for hiring is R$1,045.00.
Despite having an annual fee, customers are exempt from the monthly installment on expenses above R$100 per invoice, and by registering their CPF and cell phone number as a Pix key.
With this card, customers can still enjoy the benefits of the Esfera program, such as discounts from partners and cashback.
4. Credit card with a limit of 500 reais – Digio
Digio's initial minimum limit is R$300.00, however, customers always have a higher initial limit.
It has no annual fee and is one of the best digital account credit cards currently available, especially considering its cost-benefit ratio.
One of its distinguishing features in the market is that it does not charge revolving interest, making it a competitive and economical alternative.
See below some advantages that the Digio credit card and its digital account offer:
- Cashback on partner sites;
- Virtual card;
- Refer a friend program;
- Contactless payment;
- Personal loan;
- Livelo points program;
- Discounts on partner websites;
- Parking and toll tag with free monthly fee;
- Automatic balance income;
- DigioClub.
The Digio card has international coverage and can be used anywhere in the world that accepts Visa, and you can even make withdrawals from ATMs with your card.
Request yours in just a few minutes, click the button below for more details 👇👇👇
5. Will Bank Mastercard
When the Will Bank credit card was launched, it offered few services to its customers.
However, fintech has consolidated itself in the market and now offers more complete services to its customers.
Your credit card has no annual fee and the digital account is free, in addition, the balance yields 100% of the CDI.
It also offers a special piggy bank for you to save money separately and carry out plans.
The Will card is multi-purpose and has international coverage. It also offers installment payments and discounts for early payments.
The initial limit of the card is from R$250.00, but it has a function called Extra Limit.
In this way, the customer can spend twice the amount of the current invoice and only pay when the invoice is closed.
This card can be requested through the Will Bank app.
Now that you know some alternatives, credit card with a limit of 500 reais, check out some tips to make approval easier.
How can I increase my chances of being approved in the credit analysis?
First of all, it is essential to have a clean record, but this requirement alone is no guarantee of approval.
In addition to a clean record, it is important that you have a good credit score.
To do this, you need to always pay your bills on time and keep your Positive Registration data up to date.
Read the text and discover more tips to increase your credit score with our Credit Score Handbook.
Another way to get approved more easily is to use your digital account frequently.
For example, pay bills, receive your salary, invest your money and make other transactions in the digital account.
Also, use the card on your account to pay for your purchases. This way, when you apply for your credit card, your chances of approval will be higher.
Put basic bills in your name, for example, electricity, water, telephone, energy and gas. This way, you increase your visibility.
However, you must always make payments on time, or you will be seen as a bad payer.
As you can see, there is no secret! Adopt healthy financial habits, always pay your bills on time and be seen in the financial market.
If you already have a credit card, use it frequently and always pay your bill on time.
If you don't have one, request a prepaid card and always make your purchases on credit.
If you still do not receive approval, continue putting the tips into practice and wait a minimum period of 3 months to make a new request for a credit card with a limit of 500 reais.
Conclusion
It is very important that you have a credit card that meets your needs. However, it must match your financial reality and payment capacity.
Regardless of the limit, use it wisely, intelligently and cautiously. This way, you will always have pre-approved credit limits at your disposal.
I already knew some credit card with a limit of 500 reais mentioned in this text? Did you like the options from our team? Cred Query? Make your request now!
The best credit card options with a limit of 500 reais
