Unfortunately, one of the biggest problems for Brazilians is having their name restricted by credit agencies and, consequently, difficulty in obtaining credit, since the institutions analyze the name before approving. But, today we are going to show you that it is possible to get a card for those with bad credit online.

This is because there are some card alternatives such as prepaid cards and payroll cards that exist specifically for people with credit bureau restrictions. So, today, you will be able to learn more about these alternatives.

Are you in debt and want more information? Check it out!

Yes!

But, before answering this question, we need to explain the reasons for this difficulty in requesting a card.

Initially, when making purchases with a credit card, the card administrator is truly responsible for paying for the purchases.

So, when you pay the bill, you are simply returning this amount to the administrator.

This means that if you don't pay the bill, the administrator will have to assume the cost of your purchase. That's why it's so difficult to get credit with a bad credit history.

However, although most financial institutions only approve credit cards after a thorough credit analysis of each applicant, it is possible to apply for a card for those with bad credit online.

This is because there are cards that do not consult agencies such as SPC and SERASA and do not require proof of income or even opening a bank account.

With prepaid cards, you don't need to have any connection to a bank account and you can apply even if you have a bad credit history or a low credit score, as there is no credit analysis or proof of income. In addition, the card is rechargeable, so the limit will depend on how many recharges you make.

And, in addition, there are no purchases made on credit, as, with all prepaid cards, the money is transferred at the time of purchase.

Only civil servants, INSS retirees and pensioners, employees of the Armed Forces or employees of private companies under the CLT regime can hire on the payroll card.

In this case, you may also have a bad credit history, but the institution will probably still do a credit analysis just to set the limit and the margin that can be assigned, which cannot exceed 5% of your monthly income. In fact, the payment of the invoice is made directly from your payroll.

Firstly, it is important to highlight that it will depend on the credit card requested.

In the case of the payroll card, for example, it is necessary to be a civil servant, retired or pensioner of the INSS, an employee of the Armed Forces or an employee of private companies under the CLT regime.

On the other hand, for the prepaid card, simply access the application or website of the chosen institution and follow the steps, filling in the data!

But remember that with a prepaid card, you can only use it as a debit card for purchases that are paid for immediately, as there is no payment in installments.

In this sense, you must read the membership contract to make sure that all conditions are present in the document, especially in the case where payment of the invoice is made directly to the applicant's payroll.

If you have restrictions on your name and are looking for a card to simplify your financial life, this card is for you!

And, in addition, those who are also looking for more convenience without having to go to a bank branch!

Therefore, if you meet these criteria, this is the best option for you. But before choosing your card, continue reading the article to better understand how it works!

Now that you've learned the basics about the card for negative results, we'll teach you the step-by-step process to apply for it. Check it out!

First, you must assess the real need for a credit card.

This is because, at the same time, it brings several advantages and helps in financial life, it can also bring losses due to the high interest rates on revolving credit.

In this case, we always recommend that you renegotiate all your debts and clear your name before applying for a credit card.

Secondly, look at all the available card options and the conditions offered to avoid falling into traps.

So, before choosing the first option that seems advantageous, compare it with others. In fact, we have several comparisons here on the website for you. That way, you won't run the risk of getting into more debt.

Finally, take note of all the conditions and costs, for example, membership fee, annual fee, revolving interest, insurance charges and additional fees, and thus, once again, you will not run the risk of getting into even more debt!

Again, perhaps a financial loan may be a better alternative for you at the moment and thus be able to get a traditional credit card later on.

But, if a credit card is really what you're looking for, click on the recommended content below and see 8 card options for those with bad credit!