Credit card for negatives [FULL GUIDE]

Hello reader! Welcome to a complete guide on a subject that has generated many doubts and also hope: bad credit card. 

Yes that's right! We know that a complicated financial situation can happen to anyone and having your name included in credit protection bodies, such as SPC and Serasa, can be a major obstacle when it comes to obtaining a credit card.

But breathe a sigh of relief! Reality has changed and, currently, there are options available on the market for those in this situation. 

In this complete guide, we are going to explore this theme, explaining how the bad credit card. 

Plus, we'll list some of the best options available and give you tips on choosing the right card for your needs.

Ready to embark on this journey with us? So let's go!

How does a negative credit card work?

Negative credit cards are designed for people who have had financial problems in the past and who have a negative name with credit protection agencies, such as the SPC and Serasa. 

These are people who often have difficulties getting approved for traditional credit cards due to their credit history.

Usually, these cards are prepaid or payroll. Let's understand how each of them works.

• Prepaid credit card: in this case, the user must load the card with a certain amount of money before using it. The card's credit limit is then the amount that the user has loaded. It's an excellent way to control expenses, as the user only spends what is loaded on the card.
• Payroll credit card: this is an option offered by some financial institutions. The main feature is that the minimum invoice payment is deducted directly from the user's payroll or INSS benefit. This offers greater security for the bank, reducing the risk of default and allowing negative people to have access to this type of credit.

In both cases, negative credit cards can be a useful tool for rebuilding your credit history. 

By using the card responsibly, paying bills on time, the user can gradually improve their credit score and eventually gain access to conventional credit cards and other forms of credit.

What are the best options on the market?

SX card for negatives

The Santander SX Card arrives full of advantages, including annuity exemption, rewards and cashback in the Esfera program, in addition to the option to withdraw money in the credit function, among other attractions.

To increase the chances of card approval, even for those with name restrictions, we advise you to open an account at Banco Santander. 

However, remember that the release of the card will undergo a credit analysis. For non-bank account holders, it will be necessary to prove a minimum monthly income of R$ 1045.

So, if you are looking for a card with adequate limits, even if it is negative, Santander SX can be a great option for you!

PagBank card for negatives

In fact, if you are looking for a credit card option without the need for a credit analysis, the PagBank Card is a solution that deserves your attention. 

The great peculiarity of this card is that the holder himself has the power to establish his limit, the minimum value being stipulated at R$ 300.

The process for setting the card limit is surprisingly straightforward. All you have to do is reserve an amount in your PagBank Account or invest in a Bank Deposit Certificate (CDB). 

Thus, the amount reserved or applied becomes your credit limit, which is especially advantageous for people with name restrictions.

There is also the possibility of combining the two options to increase your card limit. That is, you can apply part of the money to a reserve and another part to a CDB, the sum of which will become your card's credit limit.

Superdigital card for negative

The Superdigital Card, backed by the reliability of the Mastercard brand and with international coverage, emerges as a safe and practical alternative for the consumer. 

This card was designed to provide users with the freedom to carry out transactions both in physical stores and in the e-commerce universe, opening up a range of possibilities for domestic and international purchases.

Furthermore, one of the most outstanding features of the Superdigital Card is its prepaid card format. This modality gives the user precise control over his finances, since he himself determines the amount of credit to be loaded onto the card. 

This feature is especially useful for those who want to keep spending under tight control, as the card's limit is determined by the pre-loaded amount.

BMG card

In fact, due to its payroll nature, this credit card is not available to everyone. Access is restricted to retirees, INSS pensioners or civil servants. So, if you fall into any of these categories, the BMG Card may be an option to consider.

Another requirement for obtaining this card is the receipt of at least one minimum wage per month. 

One of the advantages of the payroll card is that the payment is deducted directly from the payroll, allowing the customer to make their purchases with peace of mind, whether in physical or virtual stores, in Brazil or abroad.

However, it is important to emphasize that, in payroll cards such as the BMG Card, only the minimum invoice amount is discounted directly. 

In short, the remaining balance must be paid by the customer in a conventional manner. Therefore, it is crucial to maintain financial organization and pay the rest of the invoice on time to avoid incurring interest and late fees.

How to choose the ideal card for your needs?

Choosing the ideal credit card can seem like a complicated task given the diversity of options available on the market. 

However, by taking a few key points into consideration, you will be able to make a choice that perfectly suits your needs and your lifestyle.

• Analysis of your needs: Before you start looking for the perfect card, it's essential that you understand what you expect from it. Do you need a card to shop online? Or maybe one that offers travel benefits? Assess your needs and priorities to identify the features and benefits you feel are essential.
• Fees and Fees: Knowing and understanding the fees and fees associated with each credit card is critical. This includes interest rates, annuity fees, cash withdrawal fees, international transaction fees, and more. Make sure these rates are competitive and there are no hidden charges.
• Rewards and benefits: Some credit cards offer reward programs, such as cashback, points that can be exchanged for products and services, discounts at partner stores, among others. If you tend to use your credit card frequently, a card that offers a good rewards program can be very advantageous.
• Credit limit: The credit limit is the maximum amount you can spend with the card. Depending on your income and credit history, the limit can vary greatly. Remember that a high credit limit doesn't mean you should spend up to that limit. It's important to manage your spending responsibly.

Remember that the ideal credit card is one that fits your needs, your lifestyle and your financial situation. So it's always a good idea to compare different cards before making a final decision.

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