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In 2021, the number of self-employed workers broke a record in Brazil, reaching 25.2 million. It is the highest number in the history of our country.
The self-employed worker assumes the risks inherent to his work, among the difficulties he faces, the limitation to request credit services is one of them.
This is because most financial institutions require proof of income to release credit.
If this is your situation, read the text and find out what Bradesco credit card for self-employed and find out how to apply for yours without having to prove your income.
See our index below:
- What is a freelancer;
- How to prove income to apply for a credit card as a self-employed person;
- Those who have no income can have a credit card;
- Bradesco Next credit card for self-employed workers;
- How long does it take to release credit on Next;
- How to apply;
- Conclusion.
What is a freelancer?
A self-employed worker is someone who works on their own, that is, has their own business and does not have an employment relationship.
The self-employed professional is different from the individual microentrepreneur, as there is no need to open a company, in other words, they have a CNPJ.
We can also call them independent professionals. Some of these professionals work in a regulated profession, for example, lawyers, dentists or psychologists.
However, there is also a part of this public that works in unregulated professions, for example, market vendors, street vendors or painters.
As they do not have any type of formalization, some of these professionals may encounter difficulties when requesting financial services.
This happens because most institutions request proof of income to release credit.
Proof of income serves to prove that the applicant is able to pay the requested credit, thus reducing the risk of default.
How do I prove my income to apply for a credit card?
There are two main ways to prove income: with a pay stub or bank statement. Since we are talking about self-employed workers, we will rule out the first option.
So, all that's left is your bank statement. Do the following: gather your monthly profit and deposit it into the bank account where you intend to request some financial service and carry out banking transactions and operations there.
Do this at least three months before applying for credit. Then, just use your bank statement as proof of income.
The institution will see that you have a monthly income and the means to pay the loan.
There are still other ways, such as income tax statements, receipts and contracts. If you find one of these options simpler, you can do that too.
Can someone who has no income have a credit card?
Yes. You can. But it's more difficult.
Some institutions do not request proof of income when approving credit. However, some consider your behavior in the digital account application and how you use their services.
Therefore, even if you don't have a fixed income, you should always be using your account; making transactions and using it to receive or deposit money.
People who transfer their salary have even more possibilities of getting it, so as soon as you have a fixed income, transfer or deposit it into the account.
Now, you will know the Bradesco Next credit card for self-employed workers. Be sure to learn how to request yours.
Bradesco Next credit card for self-employed people
The version of this card is Visa International, it has no annual fee and offers many benefits for users of the digital account and the card.
The first benefit to highlight is the discounts, with which you get exclusive discounts on different products and services, for example, Uber, Cobasi and Cinemark.
Plus, you don't pay anything to withdraw money from Bradesco and Banco 24h ATMs. Normally, this is the only fee that some digital accounts have, but at Next it's free, so it already stands out in this regard.
With the Bradesco Next credit card for self-employed You can still participate in the Vai de Visa Program and have access to many services and promotions.
This card also comes with a complete digital account, through the app you have shopping, investments, top-ups, referral program and much more.
Next also has another credit card model, the Platinum, which also has its benefits, but has an annual fee and you need to prove your income.
How long does it take to release credit on Next?
Once you open an account, it takes up to 72 hours for approval. If your data passes the credit analysis, your account will already have a pre-approved limit so you can apply for a credit card, if you prefer.
However, if you haven't received a pre-approved credit limit, all is not lost! You may still be able to get one. Bradesco Next credit card for self-employed.
As?
Continue using the digital account, make the most of what it offers: top up, use Pix, invest, pay for purchases with your debit card, deposit money, use your card, etc.
Do this frequently and make this account your main one, this will greatly increase the chances of the bank releasing a pre-approved limit for you.
Be patient, because it won't happen overnight. It's one step at a time, and bonds will be established little by little, as will trust.
Banco Next's credit analysis is repeated all the time, so it will be your turn too.
Once approved, you will not receive a new card, the credit function will be activated on your debit card.
How do I apply for a Bradesco Next credit card for self-employed workers?
To apply for your card, it's very simple. Download the Next app and open your account. It takes up to 72 hours for the account to be approved, so be patient!
During account opening, you will need to send a 5-second video stating your name and saying that you want to open a Next digital account.
Conclusion
THE Bradesco Nex credit card for self-employedt is full of advantages and can be a great ally for your profession, if used correctly.
So, don't miss the opportunity to get to know it, feel safe, open your account!
Don't go away just yet, you might like to learn about some credit card options for self-employed people with bad credit. They will definitely be useful to you!
