5 Credit Card Options for People with Bad Credit Approved Instantly

Check out this content for 5 credit card options for people with bad credit that are instantly approved for you to apply for today!

Credit cards are the most widely used and accepted form of payment in Brazil and around the world. But will those with bad credit be left out of this? Of course not!

There are currently good options that are approved even with a bad credit rating, as is the case with the prepaid credit card. But in addition to this modality, we will also show you some credit card options for negative with limit.

Want to know more? Then keep reading and see the best credit cards that are easy to get approved for and without consulting SPC and Serasa. Check it out!

1 Super Digital

The Super Digital prepaid credit card has caught the attention of consumers due to its ease of approval. After all, in addition to the card, the institution also offers a digital account with no need to prove income and no monthly fees.

The brand is Mastercard International and you can top it up in our currency, dollars or gold. This is certainly an excellent credit card option for those with bad credit that is approved immediately.

Advantages

• No annual fee;
• No proof of income;
• In the app, customers can top up their cell phones and use their São Paulo state single ticket.

2 Pan Visa Credit Card

Our second suggestion for a credit card for those with bad credit that is approved immediately is the Banco Pan card. In the credit analysis, the bank does not SPC and Serasa consultation, and approval is very quick.

In addition, you do not need to pay an annual fee and the credit limit is very advantageous, as it can reach up to 2 times the value of your salary. Let's say, for example, that you receive R$$2,000.00 in INSS benefits. Your credit goes up to R$$6,000.00, respecting the assigned margin.

Advantages

• No annual fee;
• The limit varies according to the customer's income;
• Without consulting SPC and Serasa.

3 NEON Credit Card

One of the easiest options for getting approved for those with bad credit is the prepaid version, which is available immediately. This means you can make your purchases online or pay for apps right away.

The credit limit option is released gradually, as you use the account. In fact, the digital account is free and complete. In fact, the customer has the chance to pay bills, send and receive PIX and invest in a single application.

Advantages

• No annual fee;
• Comes with a full digital account with no fees;
• For every 10 purchases using the Neon card, the customer receives 3 free withdrawals, valid for 30 days.

4 PagBank

Fourthly, if you have a negative credit rating and are looking for a card to buy online and have more control over your financial transactions, find out now about PagBank credit card.

The card is Visa with international coverage and you can make transactions according to the amount available in your account. One of the distinguishing features is that when you invest in the institution's CDB, the bank usually releases credit limits according to your financial investment balance.

Advantages

• No annual fee;
• Possibility of obtaining a limit on the card by investing in CDB;
• Salary portability.

5 Santander SX VISA

The Santander SX Visa is a gateway to the bank, as despite having credit analysis, many consumers were approved even though they had a negative credit rating. Furthermore, as you pay your bills on time and use your card, your limit gradually increases.

But you need to have proof of income of at least one minimum wage. Now, if you are already a customer, this amount drops to R$$500.00. The cool thing is that with the same order, the consumer can open a bank account and request a credit card.

Advantages

• Zero annual fee by registering your cell phone number and CPF as PIX keys at Santander;
• Products available in the Esfera Points Program with discounts of up to 50%;
• Up to 5 additional cards available.

Which credit card is approved if you have a bad credit history?

Having a bad credit rating makes the process of getting a job much more difficult. pre-approved credit limit. However, there are possibilities and if you are looking to know which credit card is approved for those with a bad credit history, then you should know about these options!

Prepaid

One of the first credit card options that is approved immediately with a bad credit rating are the prepaid cards. In other words, the card is rechargeable, like credit on a cell phone.

So, first you add a balance and then spend. This way, it becomes much easier to balance your personal finances and avoid new debts.

Consigned

Already the payroll credit card, in addition to being approved with a bad credit rating, you also have an available credit limit.

However, the release is only for public servants, INSS pensioners, retirees and in some cases, employees of private institutions with a work record.

With Guarantees

The third way to get a credit card with a bad credit history is by using guarantees. Many institutions are accepting a reserve balance or CDB investments. Here are just two options for you!

C6 Bank Credit Card for People with Bad Credit Approved Instantly

Initially, the C6 Bank credit card is only available to customers with an active checking account at the bank. The card option for those with bad credit is actually called CDB Credit Card.

To access the loan, you must first start your application at CDB, after which the credit card limit is released instantly. The minimum application is R$$100.00 and the limit can reach up to R$$10,000.00.

Advantages

• It is a credit card option for those with bad credit approved immediately;
• You have the possibility to withdraw the money invested at any time;
• Customers with pre-approved limits can also use this system to have more limits.

Nubank Credit Card for People with Bad Credit With Limit

The Nubank credit card for those with bad credit is still a new feature and few people know about it. The card works similarly to a prepaid card, where you need to make an advance deposit.

However, purchases made are not deducted from the deposit, but rather from a regular credit card bill. Thus, the money acts as collateral and you can use it or not to pay the bill.

Advantages

• Higher chances of getting a pre-approved limit at Nubank;
• Paid invoices are also recorded in the positive registration payment history;
• No annual fees.

Conclusion

Although it is difficult to get access to a credit card for people with bad credit that is approved right away, the step is not impossible. As we have seen in this reading, there are good options on the credit market and you can select according to your economic profile.

That is, if you are a civil servant, the payroll credit card It will certainly meet your expectations. Now, if you want a card just to make online payments, without having to pay bills, the prepaid credit card will make your journey easier.

Did you like this content? So tell me in the comments which of these options you are going to apply for now and what your biggest difficulty is when it comes to getting approved credit!