Apply for a credit card for negatives with a name on the list of debtors

Are you negative and need a card to balance your monthly finances? If this is your case, there is no need to despair when you think this is impossible. It is not. If you have already searched and tried to request apply for credit card for negatives, maybe you looked in the wrong institutions. 

It is very common, for example, for people to try to get a credit card at the bank where they have an account. However, they do this when it is the debt with the bank itself that led to the negative result. 

Doesn't make much sense, does it? Not everyone has the habit of lending money to someone who is already known to be a bad payer. 

Therefore, people receive a negative and already imagine that it will be like this anywhere. However, with the increasing advance of fintechs in the financial market, consumers can now apply for credit card for bad debts even when they are account holders at another bank. 

However, that doesn't mean the cap will be as high as the amount you need at this point in time. In the case of companies below, the initial value of the limit granted to negative customers is very small. This is precisely to avoid new cases of default.

On the other hand, it is possible to make searches much more specific when approving the credit card. There are companies that only approve the product if applicants are retirees, pensioners or civil servants. In this way, it is possible to approve a payroll credit card.

The reason why only these people are approved is precisely the fact that they receive money every month, as if it were a salary. Thus, with information on how much an individual receives every month, it is easier to stipulate a limit for the credit card that is compatible with the amount received. 

In addition, it is guaranteed that invoices will be paid every month, without exception. The reasoning is this because the invoice amount is charged directly from the payment. On the one hand, it's nice for the customer not to have to worry about paying invoices.

Credit card for negatives is a great option for any situation. To find out more about Caixa Geral de Depósitos, just click here.

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However, on the other hand, if you belong to this group of people, it is important to be concerned about the financial control of the card. Remember: everything purchased will be paid for, without delay. Therefore, it is good to have monthly and annual financial planning always up to date. 

• Banco Unibanco 
• Wizink Bank
• Santander Bank

Now that you know you can apply for credit card for negatives, do this if you think your finances will be in order. However, we don't recommend going into debt if you can't pay for your expenses. In financial life, the ideal is to use what you have and not the other way around. So think about it!