even who is negated, that is, with the name in Serasa and SPC, you can get a credit card. However, in general, when the consumer is included in these bodies, the chance of being approved is much lower. This is due to the fact that financial institutions carry out a prior analysis of the applicant's entire financial profile and then release the card.
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However, nowadays there are financial institutions that specialize in negative consumers. Despite this, they usually end up providing services using higher interest rates.
We separate here some institutions that provide credit cards for negative people. Check out!
Nubank is a digital bank available for Android and iOS that provides credit cards with no pre-approved limit. Therefore, consumers will be able to use it enjoying the value that was added to their account.
The user will have autonomy to define the amount of credit available on the card. For this to be done, it is necessary to deposit an amount in the Nubank digital account, which will be transformed into a limit, in the option “Add limit”.
Banco Pan has a payroll credit card, which deducts the amounts owed directly from the payroll, pension, benefit or personal salary. Therefore, the bank has greater security that the invoices will be paid, eliminating the need to consult the SPC and Serasa.
Briefly, the payroll credit card is released for civil servants or retirees and pensioners of the National Institute of Social Security (INSS). In addition, the card has no annual fee, however, you must have a minimum monthly income of R$ 1,212.00.
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