How to apply for your Credit Card
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Here we will talk about this credit card option, in this way we will show you some tips to get it.
Credit card for people with bad credit
In fact, many of those with bad credit do not have a credit card, some even had one, but it was blocked.
This certainly prevents active participation in the market, as the only options left are: purchasing with debit or payment slip.
However, a new development promises to change this scenario, I am referring to the credit card for those with bad credit.
Certainly some companies are venturing into this modality, offering credit cards without score analysis.
A perfect new feature for you, a defaulter, to get a card with benefits.
Here we will give you some tips to achieve this option, follow along to learn.
How is a credit analysis done?
Without a doubt, many people do not know which technique companies use to carry out credit analysis.
Well, in order to carry out this analysis, companies consult credit protection agencies, such as Serasa or SPC.
There you will find information about yourself, such as your score and debts.
Consequently, having a low score and debts will make it difficult to get a card, as it means that you are not a good payer.
But the options of companies that offer credit cards for those with bad credit do not carry out this analysis.
So you will get the card.
In fact, some companies even do the analysis, but only to determine a limit value for your card, that's all.
Who can apply for a credit card for those with bad credit?
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:
- 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$44.99 for the issuance and delivery fee for the BluBank card.
Check out the tips we have put together for you, with our tips you will be able to get the credit card you want.
Interest rates, APR, fees, terms and conditions can be found here.
Ourocard prepaid card
With the Ourocard prepaid rechargeable Visa card, you can easily ask someone else to pay your small bills and shop at the pharmacy and bakery.
Because it's a prepaid card, you can control your balance safely and conveniently. You can top up your card yourself and don't need to carry cash in your pocket.
It's also perfect for your child's allowance, even if they're far away from you.
Rates
- Card issuance fee: R$ 10.00.
- Monthly maintenance fee: R$ 5.00 (promotional R$ 1.00).
- Withdrawal fee from the 3rd withdrawal in the month: R$ 5.00 (the first two withdrawals in the month are free at ATMs).
- Annual fee: no annual fee.
These were the options and tips for you to get a credit card if you have a bad credit history.
In order to learn the secrets of the cards, check out more content on our website.
Banco do Brasil Contact: (11) 4003-3001
04801-000
* Research Source: https://www.bb.com.br/pbb/pagina-inicial/voce/produtos-e-servicos/cartoes/ourocard-pre-pago#/
