Banco Inter Payroll Card: use your payment as collateral to get credit!
If you are an INSS retiree/pensioner or a public servant, you can obtain credit through the Banco Inter Consignado Card.
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This card offers a credit limit through the Consignable Margin, which means that invoices are discounted directly from the payroll.
With it, you choose whether you want to use the limit to make purchases in cash or installments, or if you prefer to withdraw the money.
Want to learn more about the proposal? Join us!
Banco Inter Consigned Card: learn about this proposal
Payroll loans are one of the favorite types of credit for customers who want convenience and want to avoid high interest rates.
And now Banco Inter has brought this proposal to the card sector, so it is now possible to discount card bills directly from the payroll.
This proposal is aimed at a specific audience, which includes:
- INSS retirees and pensioners;
- Municipal employees;
- Federal Public Servants;
- Servers of the Courts of Justice;
- State Public Servants.
To obtain the Banco Inter Consignado Card, the applicant must have the so-called Consignable Margin Reserve, so that it is possible to make discounts directly from the payroll.
Speaking of discounts, below we will see how they occur.
How is the invoice discounted from the payroll?
When we talk about deducting invoices directly from the payroll, many people may take a step back, thinking that this could compromise their entire salary if the invoice is high.
But don't worry about that, because with the Banco Inter Consignado Card, only the minimum invoice amount is deducted directly from the payroll, and this must be within the Consignable Margin.
This means that if your billing expenses exceed this amount, you will have to pay the remaining balance yourself.
Therefore, it is important to calculate your expenses carefully, because although you won't owe the minimum amount on your bill, it could end up becoming a snowball.
But, for those who plan carefully and avoid spending more than they can afford, it's certainly a good option!
What are the advantages of this card?
Now speaking about the advantages of the Banco Inter Consignado Card, we can certainly highlight some items, such as:
- Ease of approval (for those who meet the requirements);
- Lower interest rates, as it belongs to the Consigned category;
- You choose how to use the credit: purchases, withdrawals, etc.;
- Without consulting SPC/Serasa;
- International Card;
- Payment convenience.
Is there an annual fee?
No, the Banco Inter Consignado Card does not have an annual fee, as do all cards offered by Banco Inter.
So, in addition to charging less interest, this card also has no administrative fees.
See how to request your Banco Inter Consignado Card
Did you find this option interesting? Check out the step-by-step guide to applying for your Banco Inter Payroll Credit Card.
- Contact the Banco Inter call center at 3003 4070 and select the option 5.
- Or, if you prefer, do the request via the website. To do this, start by accessing the application form, at the bottom of the card presentation screen.
- Fill out the form with your personal details and agree to the terms.
- Complete submitting your information and make the necessary selections to complete your card order.
- It may take a few days for your card to be released, but don't worry, Banco Inter will contact you to inform you of the outcome of your request.
- If your card is approved, just wait for the physical card to arrive or make your purchases online with the virtual card.
As we can see, applying for the card is very simple, and the best part: there is no need to consult the SPC/Serasa, so even those with bad credit can get it!
