Have you ever heard of the digital booklet? It is a new resource that has emerged to facilitate the payment of online purchases for those who do not have access to credit, making it easy for everyone to do so!

In the past, the booklets were widely used to make purchases in installments at various stores across the country. But, with the emergence of credit cards, this option was being left out.

However, nowadays many people still have difficulty getting access to a card due to the lack of a credit history or the fact that they have a negative CPF.

Therefore, the digital booklet can be a very interesting option for these people to be able to make their online purchases without any problems.

In this post, you will learn more about this payment method and which stores accept it. Follow!

In summary, the digital booklet is a way for you to be able to pay your purchases made on the internet in installments without having to have a credit card.

Thus, it works in a similar way to the physical booklets that the stores had in the past. The only difference is that now this payment method is also being made available on digital media!

Therefore, the way the digital booklet works is quite simple. Namely, the stores that offer it carry out a simple credit analysis to check whether it will be possible to release the credit card for the purchase you want to make.

Upon approval, the booklet is released and you can mark it as a payment option when completing an online purchase.

That way, you can pay the monthly installments, as if it were a ticket, until you pay off the purchase made.

And while this payment method performs a credit analysis, it is generally more affordable and may pass more than credit card reviews.

This happens because the digital booklet is created for you to make a specific purchase in the store. And, as no store wants to lose its sale, this option ends up becoming more attractive and easier to approve!

Namely, the novelty of the digital booklet is already being used by the main online stores, especially those that also have physical stores and that used to allow payment by booklet in the past.

Therefore, establishments such as Casa Bahia, Magalu, Extra and Ponto Frio accept the digital booklet. 

In addition to these, there are also other specific stores, such as AliExpress, Camicado, C&A, Avon and Beleza na Web that accept the digital booklet as a payment method.

This way, you already have a lot of choice of stores to make your purchases online and pay from the booklet.

As you know, to be able to pay with the digital booklet, you need to go through a simpler credit analysis, which allows you to access the credit and finalize your purchase.

In this sense, a very common question people have is regarding the credit approval period in the booklet. 

In short, approval will depend on the virtual store that is offering the booklet. But, usually the process can take up to two business days to approve and release the request.

So far, the digital booklet seems to be a very interesting resource, where it was possible to reuse a form of payment that was widely used in the past.

But, is it really worth using the digital booklet for your online purchases? If you still have this doubt, check below the main benefits of using the booklet as an online payment method.

Firstly, one of the great positive points of the digital booklet is that it managed to unite the practicality of online shopping with the ease of making purchases in installments without having a card.

In this way, those who do not have a credit card or limit to complete a purchase can do so from the digital booklet.

Thus, it becomes a more democratic means of payment, which helps more people to access the products or services they need without having to leave their homes or take out loans for that. 

Another positive point of the digital booklet is that it offers a very low interest rate, compared to a credit card.

After all, who has never paid for a card purchase in installments, and then ended up delaying the invoice? When this happens, the interest that the card applies per day is usually very high and makes your debts snowball.

However, with the digital booklet this does not happen, since your interest rate is a fairer value and you can even pay in more installments.

The low interest rate and other factors also make the booklet an option that helps you keep your finances organized.

Unlike the card, the digital booklet is made with just one purchase. That way, you don't keep accumulating the installments of different purchases in one place, allowing you not to get into debt.

In addition, you can view your payment slips whenever you want and you will be notified when the due date is close to give you time to pay on time and not suffer with more interest.

Finally, this payment method is also known for being an easier payment option, which has very little bureaucracy in its application process.

Here, the credit analysis is quick and accepted better than the credit card option. Thus, you can access the booklet right away and make your online purchase without major problems.

So, did you like to know more about the digital booklet? It is a great way for you to make your purchases without having to be exposed to high credit card fees.

But, did you know that it is also possible to make loans from the booklet? And the best part is that this option is also completely online! See more about how it works in the post below!