Card request denied? Understand the bureaucracies of Banco Itaú

When requesting a new Itau credit card, unfortunately there is a bureaucracy regarding the documents and vouchers required for the evaluation process, with the possibility of the client not being approved.

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The cards are offered according to the customer's needs and income. Even so, there are several categories of cards, with and without annuity, or even generators of miles from accumulated points, which can be used in trips, restaurants and stores partners.

To request them, simply access the virtual platform and place your order, the request being reviewed in a few days. And, if approved, the physical card will be forwarded to the registered address.

Reasons for the card not being approved

Customers are often frustrated by having their request denied, not knowing for sure what reason led to this situation. Check below the main reasons for not having the card approved and be aware of a new request:

• low score: The score is characterized by a point system, which demonstrates how much the client can or cannot pay your bills correctly and without debt, in addition to being one of the most judicious aspects of approval.
• Debts with Banco Itaú: If the customer has any outstanding debt with the bank, negotiation of the amount will be mandatory, so that Itaú will release the requested card. It is worth remembering that the initial limit may probably be lower than expected, however, as the bills are paid correctly, the customer may request a new limit.
• Lack of movement in the account: Contrary to what many think, this reason becomes quite common in the card denial process. In this way, if you do not have a busy bank account, this use must occur to increase your chances of approval.

Itau credit card

There are many questions on the part of customers to know if the Itaú card is really worth it, in the face of so much bureaucracy. However, only the customer himself will find this answer, due to the many demands and functionality he wants when obtaining the card.

Itaú has more than 70 credit options, ranging from the simplest, which does not require a minimum income, to the most sophisticated, with a system of points and annuities. In addition, you can obtain, through an Itaú card, several discounts with program partners.

Practicality is also present in the Itaú credit card, in view of the great virtual support that the company provides to its customers, without having to leave home to solve any problem.

Finally, you should be aware of the card requested, as often this card may not be free of annuity, needing to reach the monthly minimum and leave unscathed from any charge.

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