Having the negative name may make it difficult to obtain credit, but does not prevent you from having access to a card. Many financial institutions offer alternatives designed specifically to those in this situation, allowing you to recover your financial life more easily.
Then discover the best credit cards for negatives available on the market in 2024:
Pagbank card
The Pagbank card is a practical and affordable solution, as it does not consult the SPC or Serasa at the time of approval.
Main advantages:
- No annuity;
- Prepaid credit card, which facilitates financial control;
- It can be recharged from the Pagbank account.
The request is simple and made directly by the Pagbank app.
Superdigital Card Santander
SuperDigital Santander is an option aimed at those looking for a card without bureaucracy and full finance control.
Differentials:
- Without consultation with SPC/ SERASA ;
- It works as a prepaid, eliminating the risk of debt;
- International, accepted in thousands of establishments.
You can request the card through the superdigital app, quickly and practically.
BMG Card Card
For retirees, pensioners and public servants, the consigned BMG Card is an excellent choice, as it does not make credit consultation and offers an attractive limit.
Main benefits:
- No annuity or hidden tariffs;
- Limit discounted directly on the payroll;
- Lower interest rates than traditional cards.
The request can be made online on the BMG website, upon proof of employment or retirement.
Neon+ Card
The Neon+ Card is another alternative for those who are negative and look for a simple but modern feature card.
Highlights:
- No annuity;
- Available for negatives after neon account movement analysis;
- Intuitive app for spending and boundary control.
To request, simply open a neon digital account and move it regularly.
Pan Card Pan Consignado
The Pan payroll Bank is another option for retirees, pensioners and public servants who need credit even though they are negative.
Main features:
- Without consultation with SPC/SERASA;
- Limit linked to the consignable margin;
- Internationally accepted.
The request can be made through the website or in Banco Pan physical agencies.
Prepaid trigg card
The prepaid trigg card is ideal for those looking for a cardless card, as you define the limit when reloading the balance.
Advantages:
- Without credit consultation;
- Total control by the app;
- Cashback in all purchases.
You can request the card directly from the TRIGG website or app.
Paid Market Card
The Paid Mercado Card is an excellent alternative for negatives who want ease and financial control without giving up benefits.
Why choose the paid market?
- Without consultation with SPC/Serasa : ideal for those who are negative;
- No annuity : there is no monthly fees;
- Progressively released credit function : As you move your paid market account and use the prepaid card, there is a chance to enable credit function.
The process to purchase the card is simple: just create a paid market account, request the card through the app and start using it in prepaid or debit versions.
OLO PAYMENT CARD
The Oleum Card is another great option for those who are negative, especially for retirees, pensioners and public servants who need credit with advantageous conditions.
Highlights of the Oleus Card Consigned:
- Without consultation with SPC/SERASA : Fast and uncomplicated approval;
- Reduced Interest : Because it is consigned, the rates are lower than those of traditional cards;
- No annuity : save with tariffs;
- Attractive Limit : The value is based on the consignable margin, providing sufficient credit for everyday needs.
The request can be made online, directly on the website of Olé Consignado, and the credit is discounted directly from the payroll, which facilitates financial control.
Even with the negative name, you can find a credit card that meets your needs and offers interesting benefits. Evaluate the available options, choose the one that best fits your reality and takes the first step to reorganizing your financial life.