Nowadays it is increasingly difficult to get a Credit card, even with the accounts up to date it is possible to have your request for card denied due to low score.
Today with the arrival of the new fintechs in the market, it can be the ideal solution for people with score below of 300, due to competition banks traditional products also decided to serve this audience.
How does the score work?
The score is nothing more than the combination of payment habits and the citizen's relationship with the credit.
An easy way to check your score it's from the official website of serasa, O score ranges from 0 to 1,000, and points are considered factors such as:
- History of negative debts
- Financial relationship with companies
- Updated registration data
- Pay bills on time
According to the website of serasa, people with 300 points or less represent a high risk of default , from 300 to 700 the risk is medium , and above 700 the risk is low , so the higher your score, easier to get credit.
Which cards accept low score
The reason for the default does not matter for the evaluation criterion of the serasa, which can occur impediments in the life of the consumer.
With that we will list five cards that accept customers with score low:
Card Neon
That card has the international option linked to the digital account, the best thing is that the card there is no annual fee, but the bank also offers options with fees.
In this bank there is a minimum income requirement, services such as payment of slips and transfer are free, and are available in the app.
To open an account is simple, just download the bank application through its app store, be over 18 years old and register.
Upon approval, the function credit is unlocked in card acquired at the time of opening an account, also having the option of a virtual card available.
Card Next
O NEXT it's a flag card VISA international, which is offered by the bank Next as the name suggests.
O Next is a digital bank created by BradescoAnyone over 18 years of age can register, but the analysis can take up to 7 business days.
If approved, you will receive the card at your address.
To download the app is simple, just enter your app store and search Next, information about bill payments, loyalty program and withdrawals are available in the App.
In addition, the Next offers cashback, discounts and a card no annuity.
impact bank card
That is one card prepaid, he even accepts people with a negative name, having a balance in his account, he authorizes purchases on the credit being payment in advance.
It even offers the option of virtual card for online shopping.
super digital card
That is one card created by the group Santander, offering cards with the flag MasterCard, it allows the person to have a card physical and up to five virtual.
To register you need to be over 18 years old, as there is no credit protection consultation, people with a negative name can get approved.
Read too:
How to increase my Score and get my card.
Caixa Card Sim, see how to request it even with restrictions.
This card is prepaid, so even in credit The purchase amount is deducted from your account at the time of purchase.
Card trigg
This card offers cashback and wristband for approximation payments, the card it's flag VISA, and does not need proof of income.
The movements as in most other cards is done through the application, one of the negative points is that there is a fee for withdrawals and after three months of use an annuity is charged.
Hey, have you chosen your card? Did you see which one fits your profile? Don't waste time and download the app that you liked the most and order your card now.
