Initially, the Caixa payroll card or the Banrisul payroll card are two card options that are among the best on the market. This is because they have great proposals for people who are restricted by credit agencies, that is, people who are negative.

So, to learn a little more about the advantages and disadvantages of these cards, we've brought you a comparison for you to do an analysis. Check out!

So, the Caixa payroll card is a financial product issued by the Caixa Econômica Federal institution, ideal for people who are negative, that is, with their name registered with credit agencies, such as SPC and SERASA.

And, in addition, because it is a payroll card, it is an exclusive card for INSS beneficiaries in general and the great positive point of this card is the payroll margin of 5% of the credit limit.

That is, you will have the amount of 5% of the card limit deducted from your benefit every month. In this, it is important that you are sure to use at least these amounts every month on your card.

Therefore, the Caixa payroll card is what you need if you are an INSS beneficiary and have a dirty name. Apply today, if applicable. But if you still have doubts, read on.

Well, the Banrisul payroll card has been one of the great innovations in the market, issued by Banco Banrisul, with several advantages.

This is because, when applying for the Banrisul payroll card, you receive an invoice every month with the amounts deducted directly from the beneficiary's paycheck. As well as the document also shows the remaining balance.

And, in addition, to access the card, it is necessary to be a beneficiary of the INSS and be under the age of 76, as well as to have an up-to-date registration with Banrisul and to contract the card in the state in which the benefit is received.

Therefore, despite being a very interesting card, it also has some requirements so that it can be requested and, thus, the credit is offered by the institution.

So, the Caixa payroll card has several advantages, the first of which is the exemption from the annual fee, being charged only the issuance fee of R$15.00, which can be divided into up to 3 installments.

And, in addition, it has low interest rates of around 2,70% per month, which is approximately three times lower than a conventional card.

Just as it does not consult the SPC or SERASA when doing the credit analysis, being an open door for negatives.

And, you still have a professional to carry out small repairs in your home up to three times a year, bringing more practicality in your day-to-day life.

Another advantage is that you guarantee access to Clube Elo Mania Caixa, that is, you have exclusive access to discounts on various products and services.

So, if you are looking for a card to give you more convenience when shopping. But if you are undecided about the bureaucracy in the credit analysis, don't worry, because Caixa has what you need.

Well, the Banrisul payroll card also has several interesting advantages, the first of which is related to interest rates that are around 3% to 5%, being up to 3 times lower than conventional rates.

Furthermore, you can apply for the Banrisul card directly from your home, without any bureaucracy and your credit is usually released within 48 hours.

Another advantage is that Banrisul does not charge an annual fee, as well as having the Mastercard brand and international coverage.

This means that you can shop at national and international stores, not having to limit yourself exclusively to Brazilian products.

And yet, you can also make cash withdrawals and the withdrawal amount can reach up to 96% of the credit limit you have available.

Finally, it is an ideal card for those with negative credit ratings, as it does not consult credit agencies such as SPC and SERASA, and also comprises a password and a chip.

So, the only disadvantage of the Caixa payroll card is the charge of R$ 15.00 to issue the card.

However, the amount can still be paid in installments. on the Caixa card invoice itself in up to 3 installments and after that there will be no further charges.

And, in addition, be careful with interest rates, because, despite being one of the lowest on the market, in the long term, they can bring financial problems.

That is, have good financial planning and take care of your finances, so you don't have surprises when the card bill arrives.

And it is also important to remember that the card is consigned, that is, improper use can bring financial problems.

Therefore, before opting for the Caixa card, compare it with other options on the market, to find out if it is what you need at the moment.

Well, the Banrisul payroll card also has some disadvantages, the main one being interest rates.

This is because, despite being lower than those of other cards, they still exist and, therefore, it is necessary to have control of finances and be careful with interest rates.

And, in addition, it is important to remember that the card is consigned, that is, improper use can cause financial problems.

Well, the Caixa payroll card or the Banrisul payroll card are two card options that have all the credibility, security, transparency and offers that these two banks offer to negative customers, that is, with a restricted name at the credit agencies.

Therefore, make an analysis of the cards that are available on the market and see which one is the best option for you. And if you still have doubts, see some recommended content below about the shopping cards we brought here!