Discover credit card options without consulting the SPC

Financial difficulties are common during economic crises and affect many Brazilian families. Those who are heavily in debt need to review their expenses, but they also need to seek credit to support themselves. This can be done by taking on other responsibilities to gain a better understanding of the household budget.

Digital banks increase the accessibility of financial services and make credit easier. Most do not have physical headquarters and only work through applications. You only need a cell phone and internet access to get a card that allows you to pay in installments without having to prove that your name is not dirty, register with Serasa.

Check out the best credit card options for you with a bad score

Simple money card

Retirees, INSS pensioners and public servants are entitled to the card and need to register with Caixa. In addition to international sourcing, one of its advantages is the ability to pay discounted salaries or benefit invoices, with no annual fees and high store acceptance.

PagSeguro Card

The PagSeguro prepaid card has no annual fee, is accepted at several Martercard institutions, and you can track your charges on the bank's app.

International Payroll Card

Banco Inter notes that minimum payments are also deducted from invoices, that the Mastercard brand offers many opportunities, including international purchases, and that the rates for this payment model are consistently lower than those of competitors. Withdrawals can be up to 90% of the available amount.

Hyper digital card

Allows withdrawals at “24-hour” and “Rede Cirrus” tellers and is monitored by the app.

BMG payroll card

The BMG Card is also deducted from your payroll and can be used for up to 70% of your total credit. BMG, which specializes in payroll loans, said that the interest rate of 3,06% is low compared to other institutions.