get a credit card it has not been an easy task. With the economic downturn, many banks opted for increasingly inflexible credit restriction and assessment.
Amidst all the stress of getting approval, we've listed some essential tips for those who do not have a credit card have the chance to buy online and take advantage of that long-awaited promotion.
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One of the most common methods used lately is that of the prepaid credit card. With it, you can do everything that a normal credit card does, such as shopping online, having a cup of coffee and even paying for services. streams of the moment, how Netflix and Spotify.
The only significant difference is that the prepaid card does not provide its user with a credit limit, that is, it is restricted to the amount previously deposited by the cardholder. This type of service can be recharged via the Internet or via a bank slip, which makes its use even easier.
The main benefits of this function are the substitution of paper money for credits that can be recovered if the card is lost or stolen, in addition to not being necessary to have a bank or digital current account for its use and applicability.
With regard to disadvantages, the prepaid credit card does not allow installment payments, and membership and usage fees may also be charged.
Among the types of cards, there are options for national and international use, essential for users who want to make purchases on websites, both national and from other countries.
Another option available to anyone who wants or needs to make an online purchase is through Bank slip. To make a purchase using the boleto option, just set the option "pay with boleto" at the time of purchase and complete with your personal data, such as full name, CPF, address, etc.
Even though it is not new, this payment method allows, in some rare cases, the total or partial payment of the purchase.
However, as it is a bank compensation, confirmation of payment may take 3 to 5 business days, requiring advance planning if you have an urgent need to receive the purchase.
The advantage of choosing to pay through bank slip lies in the payment options. Lotteries and ATMs, including the Internet Banking, are some of the examples. Also pay attention to the expiration date, as your purchase may be canceled if payment is not confirmed within the established period.
If you've never made a purchase over the Internet, be aware of some important tips so you don't make a mistake when choosing your product.
The first thing to consider is the site you are buying from. Considering the comments and previous evaluation of buyers is important at this time. Look for better known and better ranked sites, especially those with a padlock next to the link at the top of the page, as this represents their authenticity and security.
In some cases, the company's CNPJ can be seen at the bottom of the page.
It is important to be aware of dubious offers that promise discounts that go against market prices.
Right after choosing the store and products, just click on “buy” and go to the shopping cart, ending with the choice of payment method available on the site.
Most websites and online stores require consumers to provide their registration data in order to make a purchase. Basic information such as full name, date of birth, CPF, delivery address and telephone number are required.
Having completed your registration, check the products chosen by you in the shopping cart and then confirm the payment method, choosing one of the two options mentioned above. It is worth remembering that in many cases, the store also adds the cost of delivering the product (shipping), which varies according to the region and location.
If the selected payment method is by prepaid credit card, just enter the number engraved on the card, as well as the security code located on the back. In the case of a ticket, you just need to fill in the data as mentioned above.
After all these procedures, wait for the confirmation of the order and the stipulated date of receipt, and in many cases it is possible to monitor the transport of the goods in real time.
If you have had any problems with receiving the product, whether due to improper transport, factory defect or even poor quality in the services provided, it is suggested that the consumer get in touch with the company and inform their dissatisfaction.
Sites such as Reclame Aqui and Consumidor.gov are of great help if the store neglects to provide after-sales support.
