The 5 Credit Card Options That Don't Require Proof of Income

A credit card that doesn't require proof of income is an excellent opportunity for self-employed professionals. Check out this content for 5 options to apply for now and what can serve as proof of income!

Although many consumers live a balanced life financially and have a good amount of money every month, the lack of a credit card is still a reality. This is because a self-employed person has a lot of difficulty in getting approved because of proof of income.

If you are part of this group, know that you are not alone! In fact, the number of people who work independently without a CNPJ is around 19.2 million Brazilians.

Given this scenario, the good news is the existence of excellent credit card options that don't require proof of income! In this content, we will show you all the information to clear up your doubts and even be able to demonstrate your monthly earnings without necessarily having a signed work card. 

Want to know more? Then keep reading and check it out! See what we have prepared for you:

• The 5 credit card options that don't require proof of income;
• The essential steps to getting a credit card without proving income!
• 4 ways to prove your income as a self-employed worker
• What are the income proof options for those who do not have formal employment?
• What serves as proof of income?
• Is it possible to get a loan without proving income?

1 – Nubank: the credit card without proof of income that is easy to approve

With more than 50 million customers, Nubank has become one of the most valuable banks in Latin America. After all, there is zero bureaucracy involved in having excellent financial products. In fact, customers have access to credit cards without having to prove their income and This also applies to Nubank Ultravioleta, the Institution's Mastercard Black.

To get your approval, simply open a digital account through the app. The procedure is very simple and you only need to provide your CPF number. With the pre-approved credit analysis, the purple card will arrive directly at your home in a few days. 

A tip to get one high credit card limit is to move your account frequently. Concentrate all entries and exits in the Nu Account, so that the Bank's Artificial Intelligence will understand exactly what your consumption profile is like and increase your credit limit automatically. Nubank is also an excellent option for credit card approved with low score!

2 – Digio: in addition to not having to prove income, it is one of the best credit cards with no annual fee

During the time when I worked without a CNPJ, the Digio credit card was my salvation. After all, that year the institution released a minimum limit of R$1000.00 without proof of income and with a yellow score on Serasa.

If you are looking for a credit card with a good initial limit, Digio will certainly meet your financial needs. In fact, one of the points that stands out most among consumers is the absence of revolving credit.

This way, if there is an unforeseen financial event, you will not experience the “snowball effect” as happens with other banks.

3 – Trigg: the credit card that doesn’t require proof of income and one of those that approves instantly

Trigg is a credit card with instant approval and you don't need to prove your income. In just 5 minutes you will find out about your pre-approved limit by simply providing your CPF number. 

After that, just sign up and choose your password. The digital credit card will be ready immediately and you can use it until the physical version arrives.

However, the disadvantage is in the annual fee and credit card issuance fee. These amounts are already discounted directly from the credit limit.

4 – Credicard Platinum: the credit card that doesn’t require proof of income, with zero annual fees and many benefits

Our fourth recommendation for a credit card that doesn't require proof of income is Credicard Platinum. Today, this option has international coverage and is part of the Platinum Visa line that offers several benefits such as concierge services, protected purchase between others. 

To access the card, the first step is to access the official Credicard website and select the Platinum option with zero annual fees. Then, enter your CPF number and other personal details. 

Then, wait for the credit analysis, which in this case takes a little longer than with other cards. With approval, you also have access to the program. Iphone Forever Apple!

5 – C6 Bank: the credit card that doesn’t require proof of disposable income, also for those with bad credit

First of all, having a clean credit record is essential to have a credit card approved, especially when there is no way to prove your income. Even so, there are some options on the market for self-employed negative, how does C6 Bank's Easy CDB work?

The procedure works as follows: C6 Bank customers who invest from R$100.00 in the bank have the amount converted into a credit limit. This way, while the money yields, you can use it as a personal limit. The maximum amount can reach up to R$10,000.00.

Still on this topic, it is worth mentioning that both the account and the card are completely free. There are no monthly fees, annual fees or issuance fees for the credit card.

The essential steps to getting a credit card without proving income!

Always keep your name clean and your personal finances up to date

As we have seen, there are good credit card options that do not require proof of income, however, one of the criteria for easier approval is clean name with credit restriction agencies such as SPC and Serasa. Today, you can do everything online and still have access to discounts and advantageous installments through Serasa Name Cleanup Fair.

Keep an eye on your Credit Score

Nowadays, your credit score is king! In other words, your credit score will determine the value of your credit limit and whether or not your credit card or loan will be approved. To help you understand this subject better, read the following content:

• What is a credit score for?
• 6 tips to increase your credit score
• How is the credit score calculated?
• Differences between Boa Vista and Serasa Scores

Look for credit card options that don't require proof of income

With our tips for credit cards that don't require proof of income, putting this step into practice will now be very easy. After all, now you know which are the best options for credit cards that don't require proof of income. So, start applying right now!

It is recommended to select only one from this list to apply for and wait for the result. Because, when we apply for credit from several financial institutions, we run the risk of score decreases and we end up with a low score. 

Develop a relationship with a Financial Institution

In fact, developing a relationship with a financial institution is a key factor in gaining access to various lines of credit, even without proof of income. This is because cash inflows can justify the value of your monthly income.

4 ways to prove your income as a self-employed worker

It's not just a pay stub or paycheck that will be responsible for proving your income! After all, there are other resources that are also widely adopted by institutions and if you can prove this, the limits released will be very advantageous.

1 – Present your bank statement

A bank statement is one of the best alternatives available to prove your income as a self-employed person. For this reason, we recommend that a good relationship with the bank results in excellent credit opportunities. Therefore, gather all your income in one single checking account. 

2 – Declare your Income Tax annually

Declaring income annually and keeping your data up to date with the Federal Revenue Service is of utmost importance, even for the group of people who are not required to do so. After all, most institutions use the Personal Income Tax as a way of proving income.

3 – Have the appropriate receipts and contracts for goods or services provided on hand

Receipts and contracts for services or goods are also an effective way to prove your income as a self-employed person. In this case, it is best to always provide a receipt when you receive any type of payment, or a contract in the case of services rendered. The easiest way to have these documents on hand is through the RPA – Autonomous Payment Receipt.

4 – Use the Income Statement

First of all, the Declaration of Proof of Income, known as Decore, is a official document to demonstrate the income of informal workers and even if you get a credit card without proving income, this document will help to increase the limit.

However, only a professional registered with the CRC can issue the declaration upon payment of a certain fee. At this stage, you also need to have all the Autonomous Payment Receipts (RPAs) on hand.

What are the income proof options for those who do not have formal employment?

In addition to these 4 options mentioned in the previous topic, there are also other income proof options for those who do not work formally:

• Rural Union Declaration (For unionized rural workers);
• Internship or Scholarship Commitment Term (For interns or scholarship holders);
• Court Order Specifying the Amount of Alimony;
• Annual Declaration of Individual Microentrepreneur (MEI).

In general, what serves as proof of income?

If you try and fail to get a credit card without proving your income (which is a bit difficult to do) other options for demonstrating your salary are:

• Salary slip or pay stub;
• Annual Income Tax Declaration;
• Work Card;
• Bank statement;
• Receipts and contracts for goods and services rendered
• RPA – Autonomous Payment Receipt;
• Declaration Proving Income Receipt;
• Rural Union Declaration;
• Internship or Scholarship Commitment Term;
• Court Order Specifying the Amount of Alimony;
• Annual Declaration of Individual Microentrepreneur.

Is it possible to get a loan without proving income?

Although consumers face many difficulties and a higher interest rate, it is possible to get a loan without proving income! However, it is necessary leave some property as collateral. Another loan option available is peer to peer, that is, those in which the procedure is done directly with individuals like Bulla and Picpay.

In short, credit card options that don't require proof of income are a great help when you need them. But first and foremost, it's important to keep your finances in balance and your name away from SPC and Serasa.

Furthermore, as we have seen throughout this content, there are several ways to prove income! Therefore, if you can gather one of these proofs, your chances of having a high limit they will certainly be much higher.

Did you enjoy reading this content? Then we are sure that you will love discovering everything about credit card for self-employed people with bad credit. Want to know how it works? Click the button below and find out all the details!

Credit card for self-employed people with bad credit

See the best options!
Learn More