How to get credit even if you have a negative credit rating
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Certainly many people do not know how companies perform credit analysis.
Well, we know about the existence of institutions like Serasa or SPC, which monitor users' financial issues, scores and debts.
Therefore, having debt or a low score can be detrimental to those who need credit or a loan.
But the options of companies that offer credit cards for those with bad credit do not carry out this analysis.
So yes, you can achieve it.
It’s not exactly “no credit analysis”, but some release their services despite the customer’s low score.
Who can apply?
Since any individual with a minimum age of 18 years can get a credit card for those with bad credit.
The requirements are: be at least 18 years old and have a fixed income, in some cases you must be a beneficiary of the INSS or a public servant.
What cards can I get?
The cards that are accessible to those with bad credit are basically 3 types:
- Prepaid credit card
- Consigned credit card
- Common credit card
To achieve any of these options you will have to resort to:
- Banks
- Private companies on the internet
- Stores that offer card
Of course, all of these options offer cards, so you can determine which option is best for your case.
Tips for getting a credit card for people with bad credit
See below for some tips on how to get a credit card if you have a bad credit history.
Choose the easiest options
First of all, we recommend that you use the most accessible and easy-to-obtain options, which are: prepaid or payroll credit cards.
These two options do not require credit analysis, you can get the prepaid option without any problems, you just have to want it.
The consignment has some requirements, which are:
- Work with a signed contract
- Being a civil servant
- INSS retiree or pensioner
- To be a military man.
Try with your bank
If you are an active consumer at your bank, who has had an account for a long time, the chance of you getting a card is high.
Because the company will analyze your history, taking into account that you are an active customer.
Depending on the bank, this will be a perfect option for getting a credit card.
Go to a store
You have probably already come across vendors offering cards, but we usually say “no”.
Now this will be your option, some stores do not do credit analysis and provide the credit card.
Some companies of this type are:
- American
- HERE
- Marisa
- Magazine Luiza, etc.
Try Blue Bank
Visit the BluBank website. Your data will be analyzed and if approved, you will receive an email with a bill for R$44.99 for the issuance and delivery fee for the BluBank card.
Check out the tips we have put together for you, with our tips you will be able to get the credit card you want.
Interest rates, APR, fees, terms and conditions can be found here.
These were the options and tips for you to get a credit card if you have a bad credit history.
Enter your CPF when making purchases
Every time you make a purchase, try to provide your CPF, as with a positive registration you can increase your score.
This way, you will be able to apply for a card more easily, because even if you have a negative credit score, your score will be favorable.
Companies evaluate this.
In order to learn the secrets of the cards, check out more content on our website.
BMG Contact: (11) 5668-9521
04801-000
* Research Source: https://www.bancobmg.com.br/cartao/credito/consignado.htm?cid=t02:y10:o01:m01:c54:p08:f10:r01:I121:b04:k283:k283:j02:n69:z27&gclid=EAIaIQobChMIl5zdkcHb8gIVl4aRCh0HQwv0EAAYAiAAEgLMcfD_BwE
