Find out everything about Caixa's national credit card
Did you know that customers who have a Caixa Econômica Federal national credit card have a series of advantages and benefits?
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These include the possibility of paying for purchases in installments without interest or a down payment, having up to 40 days to pay, and even having a credit limit to withdraw cash.
And this is just the beginning, keep reading this article and learn all about the Caixa Econômica Federal credit card.
How does the Caixa credit card work?
To be able to have a Nacional Caixa credit card you must be at least 18 years old and have proof of income.
The minimum limit for the Nacional Caixa credit card will be R$$800.00, remembering that depending on your score this amount may be much higher.
You can pay for your purchases in up to 40 days without interest, and some establishments offer interest-free installments with this card, with no down payment.
Additionally, you can also split your bill into up to 48 installments. Please note that interest will accrue when you choose to split your bill into up to 48 installments.
The Nacional Caixa credit card also offers a revolving financing system, in which the customer can finance the outstanding balance after making the minimum payment.
What is the annual fee for the Caixa Nacional credit card?
For those who opt for Visa or Mastercard, the annual fee for the Caixa credit card will be R$$126.00, which will be divided into 12 installments of R$$10.50. Additional cards will have a discount of R$50% divided into 12 installments.
Elo credit cards have an annual fee of R$63.00 divided into 12 installments of R$5.25. Those who choose to take out an additional credit card will also be granted a discount of R$50% and when taking out a card together with the main card, the annual fee for the additional card will be waived for the first three years.
However, the Caixa Nacional credit card does not participate in the Caixa Econômica Federal points program.
What are the advantages?
Firstly, with the Nacional Caixa credit card you will have the ease and convenience of having your card accepted throughout the country and the flexibility of being able to pay for your purchases within 40 days without interest.
The second point is having the freedom to pay your bill however you want, whether you pay in up to 48 installments or pay in full upfront.
Caixa offers the greatest convenience, so you can pay your bill at any bank correspondent, lottery outlet, online banking, and even set up automatic debit, thus avoiding forgetfulness and paying interest for late payments.
Those who choose Visa or Mastercard can also make purchases on international websites! Remember that before making a purchase, you must enable the international use option in the Caixa app.
It is important to remember that the interest rate for revolving credit is 11.04% and for installment payments invoice is 8.69%
Take advantage and learn how to request a Caixa card for those with bad credit by clicking here.
