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You already know the Caixa Tem credit card for self-employed workers? Despite having been launched just a few months ago, this card has already been in high demand among Caixa Tem customers.
In today's text you will discover the main details of this card and how to apply for yours. See our index below:
- What is self-employed?
- What is Caixa Tem?
- How does the Caixa Tem credit card for self-employed people work?
- What are the advantages?
- How to apply?
- Conclusion.
What is self-employed?
A self-employed worker is a worker who carries out his professional activities on his own, that is, he does not have an employment relationship.
He is the one who manages his own business and uses his professional skills to his own advantage.
Among the challenges faced by this professional, we can highlight the difficulty in obtaining financial products and services, for example, loans and credit cards.
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This is because most financial institutions request proof of income to release credit.
Proof of income serves as a guarantee and proof that the applicant has the means to pay the loan installments and thus reduce the risk of default.
One of the main advantages of Caixa Tem credit card for self-employed workers is that it does not request proof of income.
Therefore, it can be easily requested by a person who works independently and has no way of proving income or has difficulty obtaining this document.
Don't stop reading here, keep reading and discover more details about this card.
What is Caixa Tem?
Caixa Tem is an account for social services and banking transactions. It was quickly created in April 2020 so that the federal government could deposit the corona voucher, better known as Auxílio Brasil.
This aid was established with the purpose of helping families whose main income was affected by the pandemic, and as a result, boosting the country's economy in times of crisis.
The Caixa Tem app was the most downloaded in Brazil in 2020, it is now even more complete and now offers several banking services and financial products, including Caixa Tem credit card for self-employed, in fact, we will talk about it next.
How does the Caixa Tem credit card for self-employed workers work?
This card is exclusive to Caixa Tem customers. You can apply for it online using 100%, so you don't need to go to a branch to apply for it.
With it, you can pay for your purchases in cash or in installments. In the case of cash purchases, you have up to 40 days to make the payment.
Installment purchases can be made with or without interest, just choose an establishment that offers interest-free installments.
THE Caixa Tem credit card for self-employed There is no annual fee, meaning you don't have to pay to use the card, and this social savings account remains free.
For your online purchases, you can count on a secure virtual card. Now, if you want an additional card to share with someone, you don't need to worry, it's also free.
With this card you can make purchases in Brazil and abroad, in physical or online stores, as it is an international model.
The card's brand is Visa, so you can still enjoy the benefits offered by this brand, including, for example:
- Discounts on courses;
- Bahia Houses;
- Domino's Pizza;
- Magazine Luiza;
- Netshoes;
- Rentcar.com;
- Mash.
Click here and learn about the program Go with Visa. See now a more detailed summary of the advantages of this card.
What are the advantages of the Caixa Tem Credit Card for self-employed people?
The first advantage to highlight is that you do not need to prove income when applying for this card.
In addition to there being no annual fee, the contract is 100% digital, you can do it from wherever you are and also at the best time for your routine.
THE Caixa Tem credit card for self-employed has an accessible minimum limit for you to purchase and pay for your purchases in installments.
Speaking of which, you can pay for your purchases in installments without interest depending on the rules of the store where you make the purchase.
Finally, the last advantage that will be highlighted is the easy approval. Because it is focused on the public that receives some type of social benefit, this card is less bureaucratic and simpler to accept.
The initial limit of this card is not high, but it is possible to increase it upon request at Caixa. However, you need to be moving your digital savings well, using the limit already available and paying correctly.
How do I apply for a Caixa Tem credit card for self-employed workers?
Well, as mentioned initially, this credit card is exclusive to Caixa Tem customers, so if you don't have the app yet, you will need to download it and open your account.
If you are already a customer, access your application and look for the “Credit card” field. If you have not yet updated your registration, you will need to do so before requesting it. Have your ID or driver's license at hand.
If you have already updated your application registration, simply request the Caixa Tem credit card for self-employed and wait for the result of the credit analysis.
If approved, the card will arrive at your address within a few days so you can pay for your purchases in installments.
Conclusion
THE Caixa Tem credit card It offers many advantages and is very simple to apply for. Therefore, be sure to check out this new feature if you are already a Caixa Tem customer.
Don't forget to use this item consciously so that it is always available.
Recommended reading: credit card easy to approve online.
