Credit card for negatives [FULL GUIDE]

Hello, reader! Welcome to a complete guide on a topic that has generated many doubts and also hope: credit card for negative people. 

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

But breathe easy! The reality has changed and, currently, there are options available on the market for those who find themselves in this situation. 

In this complete guide, we will explore this topic, explaining how the credit card for negative people. 

Additionally, we'll list some of the best options available and give tips on how to choose the right card for your needs.

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

How does credit card for negative people 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 SPC and Serasa. 

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

Typically, these cards are in prepaid or consigned form. 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 the user has loaded. It's an excellent way to control spending, as the user only spends what they charge 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 access this type of credit.

In either case, bad 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, have 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 is full of benefits, including exemption from annual fees, rewards and cashback in the Esfera program, as well as the option to withdraw money through the credit function, among other attractions.

To increase the chances of card approval, even for those with name restrictions, we recommend opening an account with Banco Santander. 

However, remember that the release of the card will require a credit analysis. For those who do not have an account with the bank, 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 could be a great option for you!

PagBank card for negative people

In fact, if you are looking for a credit card option without the need for 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, with the minimum value set at R$ 300.

The process for setting your card limit is surprisingly straightforward. All you need 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. In other words, you can invest part of the money in a reserve and another part in a CDB, the sum of which will become your card's credit limit.

Superdigital card for negative

The Superdigital Card, supported by the reliability of the Mastercard brand and with international coverage, appears 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 striking features of the Superdigital Card is its prepaid card format. This modality gives the user precise control over their finances, as they themselves determine the amount of credit to be loaded onto the card. 

This functionality is especially useful for those who want to keep their spending under strict control, as the card limit is determined by the preloaded 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 public 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 receiving at least one minimum wage per month. 

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

However, it is important to emphasize that, on payroll cards such as the BMG Card, only the minimum value of the invoice is deducted 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 remainder 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 some key points into consideration, you will be able to make a choice that perfectly suits your needs and lifestyle.

• Analysis of your needs: Before you start looking for the perfect card, it is essential that you understand what you expect from it. Do you need a card to shop online? Or perhaps one that offers travel benefits? Assess your needs and priorities to identify the features and benefits you consider essential.
• Fees and fees: Knowing and understanding the fees and fees associated with each credit card is essential. 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 rewards programs, such as cashback, points that can be exchanged for products and services, discounts at partner stores, among others. If you use your credit card frequently, a card that offers a good rewards program can be very beneficial.
• 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, a high credit limit doesn't mean you should spend up to that limit. It's important to manage your expenses responsibly.

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

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