Thousands of Brazilians have difficulties getting a credit card with a dirty name. This is because, with the increase in defaults in recent years, companies have lost confidence in customers and made credit difficult.

In addition to the crisis, a factor that has greatly contributed to the increase in defaults and in 2019 led to more than 60 million negatives is financial disorganization.

So, to help you get a credit card again even if it's negative and also, to present tips to regularize your financial life and clear your name, we prepared this post. Follow!

The first step, first of all, is to find out if your name is really dirty and what is the proportion of this default. For this, you can carry out paid or free consultations on sites such as SPC and Serasa.

With this, understand what debts are in your name, the current values and see if it is possible to negotiate. After all, getting a negotiation, it becomes even easier to get a new credit.

Even if you are not able to negotiate, knowing the status of your name helps you choose the banks that are most likely to gain confidence for a new loan.

It's not news that having a credit card in hand is a great relief when you're in a tight spot. Whether for an emergency at the end of the month, for a purchase in installments or to book tickets for that dream trip.

But, this dream is barred by many companies for those who are negative. That's because companies understand that if you haven't paid other bills, you'll continue not paying the new debts.

In addition, this credit card concession is given upon analysis of the credit score. So, automatically those who are negative will have this low score.

But, there is still hope for those who have a dirty name and want a credit card. Some companies offer this opportunity. For you to know the biggest credit card providers with a dirty name, see the topics below!

But, there is still hope for those who have a dirty name and want a credit card. Some companies offer this opportunity. For you to know the biggest credit card providers with a dirty name, see the topics below!

The Caixa Simples credit card is a good option for those with a dirty name, as it is given to Caixa customers on a payroll basis. That is, pensioners, civil servants and retirees under the age of 75 can have access.

This type of payroll loan works as follows: Customers who have their fixed income falling monthly into a Caixa Econômica Federal account can access the card.

This is because the amount is deducted directly from the payment, offering no risk of default. Which makes approval faster and easier.

But, don't be alarmed if your bill skyrockets. Caixa discounts your benefit at just 5%, so the rest must be paid out.

The advantages of this card are:

Pagbank is yet another credit card option with a dirty name. Being a prepaid card, it guarantees you security in use and even provides you with a digital checking account.

How it works? You request the card, recharge it with the amount you want to use in the month and then just enjoy the benefit. So, when you run out of the requested amount, you can top up again.

The benefits of this card are:

In some cases, the account's credit card is approved, in this format, you have a limit to use, even without reloading the card. To apply, simply visit the website.

BMG bank is a great ally of consumers, especially those who are without credit margin in the market because they are negative. In addition to offering loans, financing and others, it also offers credit cards with a dirty name.

BMG cards are accepted almost everywhere, as it has a Master Card brand. Thus, when requested, the customer also gains a BMG digital account to manage their money and card bill.

This benefit is given to those with a dirty name, but exclusively to retirees, pensioners, civil servants and others who have a fixed income.

Thus, the card works in the payroll modality. A margin is released, according to credit and salary analysis, the customer makes his purchases and has the invoice paid directly in discount of his payment every month.

In addition to generating security, financial control and discipline, it offers ease. With this modality, the “soap opera” of needing to issue a ticket every month and go to a lottery house or bank to make the payment is over.

Its other advantages are:

If you have a dirty name and can't get a credit card, know that your new great friend is Olé Consignado. It is a card managed by the Santander bank, with the Visa flag.

Approval is quick and without consultation with SPC and Serasa, which speeds up the process for those who don't want to waste any more time. To apply, you just need to have a minimum income of one minimum wage.

The company was born in 2016, with the promise of providing financial and credit solutions to thousands of Brazilians, therefore, it is fulfilling its objective.

As one of the payroll-deductible cards, it offers exclusivity to INSS retirees and pensioners and civil servants at the municipal, state and federal levels.

The assignable margin is up to 30% of the customer's monthly income, with excess amounts being paid out, depending on the initial credit analysis.

Its advantages are:

Ah, the famous purple! As many people already know, Nubank is a digital bank that was born to generate digital and easy solutions for its customers.

Of course, for this purpose, it could not fail to offer credit cards with a dirty name to its customers.

Here, trust is the foundation of the relationship, which is expanding every day. That's because, Nubank released credit cards with a minimum limit of R$ 50 for those with a dirty name, and depending on use, this value increases.

The card already has more than 12 million users, attracted by the facilities in the bank account and also by the absence of an annual fee on the brand's credit card.

In the past, the bank did the credit analysis and those who had restrictions were denied. But the bank decided to give a second chance and approve some limits to those who at some point failed to pay a debt.

So some advantages are:

Zencard is yet another financial company that offers credit solutions for all people, whether they are in good standing or in default. This detail is what sets the company apart from many others.

In partnership with Samsung, the brand developed a digital account to make it more convenient for its customers, and along with it, a credit card with a dirty name, in prepaid mode.

Thus, you who are unable to contract services or products that require a credit card, will have your problems solved with Zencard.

How it works? You request the card, get quick approval and without consulting the SPC and Serasa, recharge the amount you intend to use that month and then just enjoy.

This format at first does not seem so interesting, but it helps you to reverse the process. If before, you bought and paid, now you pay and buy.

This model brings many financial advantages over planning and control. As well as, it helps you manage your expenses well, without having scares at the end of the month!

Banco Inter is also an option that offers digital solutions to facilitate the daily lives of its customers. So, I couldn't stop offering credit cards, could I?

A card that offers numerous benefits, such as:

Yes, Inter offers credit cards for those with a dirty name. However, the application procedure is entirely digital and the card for negatives is in the payroll mode.

The last of our 8 credit card options with a bad name, but not least, is Superdigital. A fintech linked to the Bradesco bank that has taken over the financial scene in recent times, especially among young people.

This card also offers a prepaid option and a 100% digital account to manage finances.

Its advantages are:

A credit card is a salvation for a consumer and at the same time a great financial villain for those who cannot keep the reins.

But, following the tips we gave above, to be careful and in control with finances, it is indeed possible to get a credit card with a dirty name. There are more than 8 companies that provide this type of credit.

Now that you've met the 8 companies, their advantages and disadvantages, it's time to plan and apply for your card to guarantee purchases and investments!