Loan and credit card – How to get one?

Have a loan and credit card Nowadays it is the desire of millions of Brazilians, in addition, it shows that you are “well on the money” in the financial market.

After all, to be approved and perform these two services you need to undergo a thorough analysis and meet certain requirements.

In today's article, we will show you the necessary conditions to hire loan and credit card.

Don't miss it, okay? Keep reading!

What is needed to get a loan and credit card?

First of all, we know that to apply for any financial or credit service it is essential to have a clean record.

But it is also possible for these services to be in default, although this is more difficult to happen.

In fact, customers are looking at not-so-pleasant offers, such as higher interest rates and shorter terms.

For example, if you have a steady job, are a pensioner or retired, you will have loan assigned, which is automatically discounted from your income.

Certainly, the credit card It is now more difficult to have a bad credit rating, as the company cannot deduct the amounts from your invoices directly from your salary.

In other words, the payment guarantee is lower.

But it doesn’t stop there, check out other requirements below.

Credit score 

Credit score is the score that the bank has access to when it consults the customer's CPF in credit protection services.

If by chance, the score is low, the chances of having a loan and credit card will decrease considerably.

Therefore, having a good score can be a decisive factor in acquiring financial products.

If you have a low credit score, don't worry! Take a look at our blog's news, as there are articles with tips to increase it.

Proof of income 

Proof of income serves as a guarantee that you have the means to pay the debt, even if you request the service as a freelancer, present a bank statement with your earnings to facilitate the analysis process.

Positive Registration 

If you already use financial services, you automatically have the Positive Registration, but it is important to always update your information there.

For example, whenever you change your address, telephone number, email address, marital status and job.

Inconsistencies in the data provided may be detrimental to credit analysis.

All these characteristics are important for hiring loan and credit card.

They are certainly not the only ones, but they are the most relevant.

Finally, we have prepared a list with the names of some banks where you can apply. loan and credit card, she's right below!

1. BV FinanZero;
2. Bank of Brazil
3. Agibank;
4. Itau;
5. Santander;
6. Box;
7. Bank of the Northeast;
8. Loan and credit card at Banco Pan;
9. Parana Bank;
10. Inter Bank;
11. Crefisa;
12. Credits;
13. Ibi Digital;
14. Yes;
15. Original Bank;
16. BMG Bank;
17. Right Deal;
18. Digio;
19. Nubank;
20. Pagbank.

If you meet the requirements to apply loan and credit card run a simulation at one of the financial institutions mentioned above.

Don't forget to always pay your debts on time.