How negative can access a credit card?

O access to a card it's a problem for people who are negative. This is because having the name negative implies generating “distrust” in companies, which avoid customers with a history of non-payments. However, there are institutions that, knowing that temporary circumstances (such as unemployment) can lead to default, are willing to offer a card to those who are negative.

In this way, the credit card, which is one of the means of payment that people use the most because it is practical and has the possibility of making an installment payment (if necessary), can be requested by a defaulting person. Still, some care is needed to get involved with financial difficulties and have one more debt on the list. Therefore, seek to know the modalities that are on the market, studying a lot about your moment and trying to clear your name.

See how defaulters can access a credit card

However, almost all credit cards issued only after a very strict customer evaluation. However, there are some cards that do not consult entities that protect credit, and that also do not require people to prove their income. Such cards are offered by entities that want a different way of guaranteeing the payment of the monthly fee by their users with a dirty name. So, find out below some modalities.

prepaid cards

This type of card does not require you to have a bank account. Therefore, there is no credit score or proof of income for the client. As for the limit for this type of card, the customer himself is the one who decides, through slips, deposits or recharges made at a lottery store. This modality has many fees with recharges, monthly fee, membership, withdrawal, annuity, among others. So, this card has a higher cost when compared to a common debit card.

payroll credit card

This is a more specific card choice for negative people. Since it benefits INSS pensioners or retirees, civil servants, Army professionals and formal workers registered with the CLT.

To apply for this card, it is not necessary to consult an entity that protects credit. However, the person must have a certain income. In addition, financial institutions carry out an assessment to determine what the card limits will be. They determine a margin, based on the person's income. It is worth mentioning that they authorize credits of a maximum of 5% of income per month.

Final considerations

The best credit card option for people with a bad name would be the one that gives you freedom to control spending and doesn't accumulate debt. If this is your case, we advise you to stay alert and keep in mind the priority of removing your name from the square. Therefore, continue visiting our website for more information on how the negatives may have access to a card credit.