Credit card for those with bad credit: access to credit is possible, check out the offers!

You need a credit card, but is negative? Your opportunity to access credit has just knocked on your door.

Forget the idea that it's impossible to get a credit card with your name on the SPC and Serasa, because nowadays the opportunities are much broader.

This is because credit analysis is no longer the only way to get a card, and below we'll present you with some very advantageous options. Check it out!

Is there a card for people with bad credit? How does it work?

Some say that the first thing a person with a negative credit rating should give up is having a credit card, after all, approval depends on two factors: a clean credit record and a high credit score.

But is that true? Even with the financial market having evolved so much, are there really no options? 

The good news is that yes, there are options, so credit analysis is no longer the only way to get a card.

Nowadays, we have several companies that offer credit through other guarantees.

With this, we can find cards with investment, consigned and many other models.

Discover some options 

When your credit score is bad, your CPF (Individual Taxpayer Registry) is no longer used as a guarantee for credit.

But, you can offer other types of guarantee, and thus get a credit card for people with bad credit. Check out 3 interesting options:

1. CDB Credit Card C6 Bank 

Have you ever considered building your own credit limit? With C6 Bank's CDB Credit Card, it's possible.

In this modality the amount invested in CDB is converted into credit on the card, so you can use it for your purchases while your money grows.

So, if you have some extra money in your account, it's worth considering this option to get a credit card for those with bad credit.

2. Banco Inter Consigned Card 

Yours salary can serve as credit guarantee, and that is precisely the proposal of the Banco Inter Consignado Card.

In this option the amounts spent with the card are deducted directly from the payroll, so the chance of default is much lower.

To obtain this card, the company you work for must be affiliated with Banco Inter.

3. PicPay Card with Guaranteed Limit 

Following the same “limit building” line, the PicPay Card is an option that grants you a credit limit for every real invested.

This investment yields more than savings, and is kept in the so-called “Card Piggy Bank”, giving you increasingly higher limits.

The biggest advantage of this card is the cashback, since it is possible get up to 25% back on purchases made at partner stores.

What is the best credit card option for those with bad credit?

Deciding which credit card option is best for those with bad credit among the options presented requires some evaluation.

This is because each option has pros and cons, such as:

C6 Bank: It does not compromise salary and generates income, but it needs to have investment value.

Inter Consigned: does not require initial investment, but automatically compromises income.

PicPay: offers up to 25% cashback and a growing limit, but you need to invest in advance.

So, evaluate your needs and conditions to decide which is the best proposal, since everyone offers credit!