Having a credit card denied is a reality for millions of Brazilians. According to recent data from Serasa, more than 70 million people have a bad name and face difficulties getting credit, even for the most basic day-to-day needs. This affects their financial, personal and professional lives.
However, in recent years, solutions have emerged designed especially for those in this situation. The so-called credit cards for the unemployed credit cards are a real and affordable alternative, without consulting the SPC or Serasa, with fast approval and no bureaucracy.
In this article, you'll find out:
What credit cards are and how they work
The best banks and fintechs that offer this service
How to apply step by step
How to increase your chances of approval even if your name is dirty
Tips for controlling your spending and improving your financial life
WHAT IS A CREDIT CARD FOR THE UNEMPLOYED?
A credit card for people with a negative credit rating is a type of card designed for people who have a restriction on their CPF, i.e. they have debts in arrears and are registered with bodies such as SPC and Serasa. Even in this situation, it is possible to get a card that offers features such as online purchases, installments and management via an app.
There are three main types:
Prepaid cards: There are three main types: they work by topping up. They don't offer credit as such, but are ideal for controlling spending and online purchases.
Payroll cardsThey deduct the invoice directly from the payroll or benefit (INSS, retirement, pension). Low interest rates and easy approval.
What credit cards are and how they work: They do an alternative risk analysis, looking at bank transactions and other factors, and can approve you even if your name is dirty.
BANKS THAT OFFER CARDS FOR PEOPLE WITH CREDIT
| Bank/Fintech | Card type | CPF consultation? |
|---|---|---|
| BMG | Consigned | ❌ No |
| PagBank | Prepaid | ❌ No |
| Neon | Digital | ✅ Yes |
| Will Bank | Conventional | ✅ Yes |
| Banco PAN | Consigned | ✅ Yes |
HOW TO APPLY FOR A CREDIT CARD WITH A BAD NAME
Applying for your card today is much simpler than it used to be. Most options allow you to apply 100% online, with no queues and no paperwork.
Step by step:
Choose the bank with the offer for those with a negative credit rating.
Visit the official website or download the app (Android or iOS).
Fill in your personal and financial details.
Send photos of your documents (ID, CPF and proof of address).
Wait for the credit analysis. In some cases, approval is immediate.
If approved, the card arrives within 15 working days. Many already work virtually the same day!
HOW TO INCREASE YOUR CHANCES OF APPROVAL
Even if your name is dirty, you can adopt some strategies to increase your chances:
Update your data in the Positive Register: Companies use this history to evaluate their financial behavior.
Move your bank account: The more inputs and outputs, the better for the analysis algorithm.
Use Pix often: It shows that you have income circulation.
Pay basic bills on time: Such as electricity, water, cell phones. It all counts!
Consider starting with a prepaid card: This shows that you are a good payer and helps to build up a track record.
FREQUENTLY ASKED QUESTIONS (FAQ)
1. Can I get a card even with a score below 300?
Yes, especially the consigned and prepaid models don't require a high score.
2. Does the card have a limit?
Yes. Some start with low limits (R$200), but can increase with frequent use.
3. Can I increase the limit?
Yes. Use frequently, pay on time and keep a balance in your digital account.
4. Is the card accepted everywhere?
Yes, they are Mastercard and Visa, which are accepted by all retailers.
5. Does a prepaid card work for subscriptions?
Yes. It is accepted on Netflix, Spotify, iFood, Uber and others.
Even if you are in debt, it is possible to regain your purchasing power and organize yourself financially with a the ideal credit card for your reality. The market is more flexible and technology has made access easier. Take advantage of the options, compare the best offers and make your request safely.
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