Are you looking for a credit card but are prevented due to CPF irregularities? Fortunately, large financial institutions have been adapting to serve this audience! This is the case of Banco Pan, formerly PanAmericano, which offers a payroll credit card option without consultation with credit protection agencies such as SPC and Serasa.
Because it is a payroll card, it is intended for retirees, pensioners and civil servants. Thus, the amount to be paid for the invoice is automatically deducted from the benefit or salary received by it. Not to mention that there is no annual fee.
There is also a choice of pan options offered by Pan, including Zero Annuity, Basic, Platinum, Gold and International. Some of them allow an additional card, however, subject to other conditions and including annuity fee. Thus, it is necessary to evaluate the ideal option for the financial profile of each client.
Bank Pan Card Benefits
Among the advantages offered by the card are:
- Limit up to 2x the salary or benefit of the client;
- Up to 4x lower interest rates compared to conventional cards;
- No annuity fee;
- Visa flag;
- Allows cash withdrawals through the 24-hour Bank network, or credit of the amount requested in account;
- Available for negatives on SPC and Serasa.
How do I apply for a Bank Pan negative card?
To hire the card you need to fill in form with basic personal information through the website. After that, the institution analyzes the request and contacts the client to communicate the decision. If approved, the card will be sent to the address entered on the application form.
Upon arrival at the prescribed address, the card must be unblocked from the institution's Call Center at: 0800 776 8000. In case of request to increase the credit limit and request a duplicate of the card, the procedure must be done by the same. number.
A fee of R $ 15 is charged for card issuance. The same is true for issuance of other means, in case of loss or theft, upon customer request.
See also: Ourocard BB Card with no annuity for negatives. Know how!