Credit for those with a low credit score – See the options
Most traditional financial institutions consult credit protection agencies before granting credit, so having a low score can be detrimental.
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After all, one of the criteria used in this process is the individual's credit score. Therefore, the lower the score, the more difficult it is to access credit, whether loans, credit cards, or even financing.
However, obtaining this credit, even with a low score, isn't impossible, as there are specific financial institutions that are more flexible in this regard. See!
Consigned to Banco Inter
It is aimed at public employees, retirees and INSS pensioners, where the invoice amount is deducted directly from their payroll or benefit.
Some of the advantages of this modality are:
- International card;
- Withdrawal of 90% from the card limit;
- No annual fee.
Original Bank
Banco Original also offers credit cards for those with a low score.
Because it is linked to the Mastercard brand, there is an exemption on the first annual fee, but it is possible to have a total exemption if there is a high movement in the account.
Among the benefits of this card are:
- Withdrawals across the network 24 hours a day;
- International card;
- Management and control via the application.
My Page
This is another ideal credit card for those with a low credit score. The best part is that it comes with a digital account and offers several benefits, such as:
- International card;
- No annual fee;
- 24-hour network withdrawal.
Simple Box
Caixa Econômica Federal also has a card aimed at this audience, called Caixa Simples, which costs R$ 15.00 to cover the issuance of the card.
However, this option is only available to INSS retirees and pensioners. Its advantages include:
- Without consulting SPC or Serasa;
- Automatic payroll deduction;
- Elo Mania Caixa Club.
