Credit card without SPC and Serasa consultation can now be requested

There is not much money in your wallet, you are negative, and the amount you have at hand is not enough to pay for what you need. It's not superfluous, it's what you need to keep your day going. In that case, wouldn't it be nice if it were possible to have a credit card without consultation? 

If you are going through a situation similar to this one, know that, yes, it is possible to get your card approved even if it is negative. However, not all financial institutions release the product. 

Furthermore, in general, whoever approves cards for this type of audience has some requirements that must be met in order to be approved. Below we talk about some of them! Check out!

In this part of the post, we talk about some criteria that facilitate the process of approving a credit card. Specifically, the companies we will mention below require some type of guarantee regarding the payment of card bills. 

The reasoning is simple: it's not very smart to lend money to someone you know you won't return. This is even independent of the interest rate charged for late payments. 

One of the ways to guarantee that a client will receive enough money to pay the installments of the credit card without consultation, is to check if he is part of an audience that certainly receives every month. These are retirees, civil servants and pensioners. 

As much as not necessarily retirees and pensioners work, the money received every month works as a guarantee that they will pay their debts. This is especially true if the limit is small. 

If you belong to this group, don't go thinking that it will be possible to stop paying the installments. Having a credit card without consultation under these conditions means that yours will be a card without consultation.

Check out some companies that offer the product:

• BGM 
• Daycoval
• pan bank 

On the other hand, if you are negative, but are not part of the above group, a sufficient proof to release the card is a formal job. By formal what we mean is that you can, in some way, prove that you receive a salary every month. 

In this context, the card is not payroll-deductible, so you can plan your invoice payment more flexibly. If you want to know some companies that offer this possibility, see the ones we indicate below:

• Santander Free
• Nubank
• Credicard ZERO

With regard to what we have just informed you, we would like to end this post by encouraging you to try to apply for your card. Don't be discouraged. It is worth requesting your card. As the popular saying goes, “the no you already have”.

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On the other hand, if you are in the group of employed professionals who will get the card, keep in mind that the limit on the card can start low. Nubank, for example, releases a limit of only 50.00 for negative customers. To find out more about the Nubank credit card, click here.

At first, it's not much. However, for those who need some money to solve day-to-day issues, 50.00 may seem like a lot of money. So, considering the limit is low, it pays to use it wisely. 

So what does it cost to try to get your credit card without consultation?