Tuesday , November 24 2020

Is it negative? Discover 5 cards without consulting SPC / Serasa



Consumers who have a dirty name in credit protection agencies find it difficult to get cards, loans and financing in the market. This is because most financial institutions analyze the payment history of the interested party to see if there is a risk of default.

However, with the increase in demand for credit during the new coronavirus pandemic, many banks started offering financial products without bureaucracy. In practice, without consultation to SPC, Serasa and Boa Vista, for example. This facilitates credit approval.

As there are several options on the market, Edital Concursos separated 5 credit cards for negative, that is, for those with restrictions in the CPF. And best of all, they do not charge an annual fee and offer other benefits to the consumer. Check out the full list!

1 – Banco Pan Card

This option is intended for INSS retirees and pensioners, in addition to civil servants, federal, state and municipal employees. Since it is a payroll loan, the invoice amount is discounted on a sheet. Know the main advantages:

  • No annual fee;
  • Limit up to 2x your salary;
  • Interest rates up to 4x lower than an ordinary card;
  • Also available for negatives.

To request the card, simply enter the Banco Pan website.

2 – Pagbank Card

One more option with no annual fee, and the best, which is also accepted outside Brazil. Linked to the Visa banner, the card allows you to use the PagBanck account balance to pay the invoice. See other benefits:

  • Subscription to movies, music, etc. applications;
  • Payment of transport applications;
  • Exclusive promotions and discounts;
  • National and international withdrawals;
  • Purchases quickly and conveniently by approach.

Where to order: via the Pagbank website.

3 – Neon Card

The card has a digital account, which facilitates the client’s daily life. In addition, it is also linked to the visa flag. See more:

  • No annual fee;
  • Automatic debit;
  • Virtual card;
  • Management of finances by the application.

Are you interested? To request, access the Neon website or application.

4 – Next Bank Card

Another option under the payroll modality, aimed not only at INSS retirees and pensioners. Private sector workers who receive their wages in the Next digital account can also apply for the card. The invoice is deducted directly from the benefit / salary sheet. Check out other benefits:

  • No annual fee
  • Without consulting SPC and Serasa;
  • Debit / credit card;
  • Free and unlimited TED / DOC withdrawals and transfers;
  • Purchase of foreign currency directly at Bradesco cashiers.

Where to order: from the site.

5 – Simple Cash Card

Also in the form of payroll loans, it is intended exclusively for INSS retirees and pensioners, up to 75 years of age. See the advantages:

  • No annual fee;
  • Interest rates up to 3 times lower compared to other banks;
  • Up to 95% of the available credit limit can be converted into cash;
  • Club Elo Mania and Home Check-up Programs.

To apply for the card, just go in person at any Caixa Econômica Federal branch.

Also read: Banco do Brasil releases Ourocard card for negative customers; See how to order




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