If you are a person who has financial restrictions in the market and needs a credit card for negative, keep following this post and we will bring very interesting options to your profile, we know how negative it is is harmful to the financial market in general, as credit opportunities end up closing, so it is more difficult to obtain a new card.
Many financial institutions refuse credit cards to people with a negative credit rating. This increases the frustration with each rejected request. After all, this means of payment is becoming more and more fundamental in daily life.
However, did you know that this refusal is not always for the same reason? And truth! This does not mean that if your name is not correct all your credit cards will be rejected, there are still banks that offer credit card for negative
With that in mind, we will give you 3 credit card options on the market that you can apply for yourself if you have a negative credit card:
1. Famous BMG Card
The BMG Card is the first option for credit card for negative. It is a credit card offered by BMG Bank, as the name suggests. Since it is a payment card, we have already mentioned that it is not available to the general public. You must be a pensioner, INSS pensioner or civil servant.
In addition, the client must receive at least a monthly minimum wage. The payment is deducted directly from the salary and the customer can go about their shopping as usual. Whether in person, online, in Brazil or abroad.
For those with a bad name in the market (consignment), the advantage of a credit card like the BMG Card is that you can make purchases with a negative name, just like with traditional payment methods. The Mastercard brand also provides access to the Mastercard Surpreenda loyalty program, which converts points into exclusive benefits at partner locations. The more a customer concentrates their spending on the card, the more they can enjoy.
Click here and request your BMG Credit Card
2. Mercado Pago Credit Card
The Mercado Pago card is a prepaid option. The main advantage is the possibility of making purchases freely on the Internet, whether in Brazil or abroad, as well as the possibility of deferred payment. Debit cards have restrictions on these online transactions, so the prepaid card solution is interesting for those who cannot obtain credit at the moment.
Now let's talk about a category of cards for people with a negative credit rating that has not yet appeared on the list. They are prepaid cards, which work as follows: the customer must have a prepaid balance in the account.
According to purchases, the amount is deducted as if it were a conventional credit card. Its main advantage is being able to buy freely on the Internet, both in Brazil and abroad, in addition to the possibility of paying in installments.
Debit cards have limitations regarding these online transactions, so the prepaid card solution is interesting for those who cannot obtain credit at the moment. In addition, it is an additional guarantee that you will not incur credit card debt.
Request your Mercado Pago credit card today
3. Inter Payroll Credit Card
The Inter Consignado card offers the customer the possibility of withdrawing up to 90% from the card limit. In addition to the annuity exemption, credit protection agencies such as SPC and Serasa are not consulted.
The Inter Consignado card offers up to 90% of the card limit, so that the customer can make withdrawals. As you can see, the value is higher than the BMG card, which releases 70%.
In addition to the annuity exemption, there is also no consultation with credit protection agencies such as SPC and Serasa. So, look at the details we've separated about this card in terms of the negatives.
With lower interest rates compared to other types of loans, such as standard cards, you can save money and get rid of those fees. In addition, the annuity waiver is also a plus point, along with the upper account withdrawal limit.
The selection of a credit card for people in debt should follow the same criteria as for others. That is, an assessment of the modality's potential costs and, of course, its benefits. So, make a list of the features that a credit card should have that are important to you.
After indicating your personal criteria, just compare the available options for your profile and make the right decision. It's good to keep in mind that, over time, your credit limit and business terms may improve. Whether it's your current financial institution or your market credit score!
Your relationship policies and your credit history change data and become more desirable for new modalities and limits, so do your best! More important than getting a credit card is knowing how to use it correctly.
