Understand more about the possibility of achieving credit card with a low score.
Currently, having a credit card It is an alternative for times of crisis.
Not to mention that it is possible to make high-value purchases in installments.
As well as making a payment at a time when we are short of money.
That is, having a credit card brings several facilities.
However, achieving this benefit is no easy task.
This is because there are several requirements to be able to have a card today.
The bank or financial institution carries out several analyzes on your registration before releasing the card.
Among them, your CPF score, which can make card approval difficult.
However, this is not impossible!
In this text, we will talk more about how to get a credit card with a low score.
What is score?
The score is nothing more than a score from your CPF.
In other words, it tells companies what your chances are of paying off debts.
These include loans, financing, store receipts and even credit cards.
Therefore, the score is important to be able to have a credit card.
This is because, with this information, companies analyze the risk of default.
This information is decisive for whether the request is accepted or denied.
What makes my score low?
Many factors influence when determining the score.
If you have outstanding debts, this will definitely lower your score.
Therefore, to find out if you have a low score, you need to check your CPF.
It is important to check if you have any negative debt in your name.
Late bills also impact a low score.
Therefore, it is important to always pay bills on time and negotiate possible pending issues.
This way, your score will increase more and more.
What are the best credit cards for those with a low score?
Therefore, now that we have learned more about how the score works, it is time to ask for the credit card.
Firstly, it is good to know that the rules are not the same for all institutions.
Therefore, check according to the chosen institution.
Once this is done, just submit your request. credit card.
To do this, you can choose one of the options listed below:
Banco Inter
Banco Inter is 100% digital, that is, there are no physical branches.
The company offers a credit card with no annual fee.
Also read:
How to consult RENAVAM using the number plate on your cell phone.
Check PIS/PASEP balance via cell phone.
Therefore, the score does not have much influence on this part.
However, your income and the credit you already have with other banks can make it a little difficult.
The credit card is Mastercard International and can be used for purchases abroad.
To request your card, it's simple: open a current account at Banco Inter and then request the card.
Neon Card
The Neon card is one of the most approved by customers with low scores.
With no annual fees, the card is Visa-branded and can also be used for purchases abroad.
To get a Neon card, you must have a current account with the institution.
Digio Card
The Digio card is also a great option for those with a low score.
This is because all analysis for release is carried out internally.
For this, only the person's income and the credit they already have in the market are considered.
However, the company checks whether your name is dirty.
In addition, the company checks if you have any pending issues with the IRS.
This can make card approval difficult.
The card also has no annual fees and its brand is Visa International.
