Caixa releases credit cards and loans without consultation
Caixa offers credit cards and loans without credit checks, providing several advantages such as easy approval and affordable interest rates.
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Now, anyone with a bad credit history knows how difficult it is to find available lines of credit on the market.
Moreover, according to Serasa ExperianAt the beginning of the year alone, there were more than 60 million Brazilians with outstanding debts. With the coronavirus pandemic, thousands of workers lost their jobs, worsening the situation of debt default in Brazil.
Therefore, it's natural that people seek credit cards and loans without credit checks, as this provides a way out during the crisis.
Is it possible to get credit with a bad credit history?
As everyone knows, having a negative credit history means being denied quick credit applications, which can range from store credit to loans.
However, there are certain financial institutions that are betting on alternatives to be able to work with products that require less bureaucracy for those who have a negative credit history.
Among these institutions is Caixa Econômica Federal, which offers credit card and loan lines without consulting credit protection agencies such as Serasa and SPC, a line that is available to both account holders and non-account holders.
Thus, in some of the loan types, it is possible to obtain payroll-deducted loans for INSS (Brazilian National Social Security Institute) beneficiaries, in addition to loan guarantee options using the balance of the Guarantee Fund (FGTS) or even through an object of value.
Loan options for those with a negative credit history from Caixa.
Payroll loan with FGTS anniversary withdrawal
In this type of loan, the consumer can request one by offering the bank their FGTS (Brazilian employee severance fund) balance as collateral. This is a less bureaucratic option, so approval is easy.
Ultimately, it allows the bank to withdraw installments directly from the FGTS (Brazilian employee severance fund), so there is no need to consult SPC and Serasa (Brazilian credit bureaus).
Pawn Shop
In contrast, with pawning, you leave with the money immediately, leaving a valuable item in complete safety within the Caixa Econômica Federal (Brazilian Federal Savings Bank).
Therefore, if you are interested in this option, the items that are accepted are:
- Precious Metals;
- Cut Diamonds;
- Pearls;
- Jewelry;
- Watches;
- Pens;
- Silverware.
Caixa credit card for people with negative credit history.
The Caixa credit card for people with negative credit history is aimed at INSS beneficiaries and works as a payroll loan.
In this way, the invoice amount is deducted directly from the payroll, which reduces the chances of default.
Therefore, it is a credit card that does not require the consumer to have a clean credit history.
