How to apply for a Pan credit card?

How to apply for a Pan credit card: choose between Atmosfera or Estelar

Want to find out? How to apply for a Pan credit card? In addition to learning how to make the request, today you will learn much more!

How does the Pan credit card work?

This card works like any other credit card, but with some advantages that are only offered by digital accounts.

One of them is the possibility of obtaining credit even if it was initially denied.

Generally, digital accounts approve a credit limit for their customers after a period of using the digital account.

During this period, your financial behavior in the account and how you use the services and resources offered by the bank will be evaluated.

The relationship built during this period counts a lot for the company to decide whether to give you credit or not.

In fact, some approve credit even for customers with bad credit or low scores.

As I mentioned in the introduction, the Pan credit card It is a simple version, without many accessories, but also without bureaucracy; it perfectly fulfills its role.

So before you learn how to ask for the Pan credit card, you need to know that he:

It has a virtual card so you can make more secure purchases online.
It offers expense tracking via the app so you can always stay in control.
Allows you to adjust the limit through the app so you can define a limit that suits your reality.

This digital bank offers two versions of credit cards: Atmosfera and Estelar.

Each of them offers different advantages, and in the next topic you will better understand the differences between them.

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What is the difference between the Atmosphere and Stellar versions?

The Atmosfera version is simpler. It can be requested by non-bank account holders.

As it is a basic version, it offers few advantages and benefits, but it also has a lower cost.

It is issued under the Elo banner and has the following benefits:

50% discounts at accredited cinemas;
Discounts in various establishments;
Exclusive pre-sale and installments for shows.

In the card's digital account, customers still have access to personal credit and balance yield of up to 103% of the CDI.

The Estelar card is exclusive to Pan account holders. It charges an annual fee of R$29.90/month, but is currently free for 6 months.

It offers the same benefits as Atmosfera, in addition to cashback on all purchases, residential assistance and exclusive transfers at Brazilian airports for international flights.

Users of this card also have access to an in-app missions program that offers some interesting rewards.

If you have monetary expenses on your card and pay your bill on time, you can earn up to 3 limit increases in just 6 months.

The Estelar card is also issued under the Elo banner and has a beautiful and sophisticated design.

What is the limit on Banco Pan's credit card?

The limit is personalized and defined according to the credit analysis. Therefore, it is difficult to say that the initial limit of the Banco Pan credit card is R$1,400.00, for example.

However, we can say that the Atmosfera card offers a lower credit limit, while the Estelar card can offer an initial limit of up to R$1,000,000, according to information from Pan itself.

Therefore, the initial limit may vary depending on different factors, in particular: the applicant's payment capacity and credit score.