Initially, the Caixa payroll card or the Daycoval payroll card are two card options that are among the best on the market. This is because they have great proposals for negatives, that is, people whose name is restricted in credit bureaus.

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

So, the Caixa payroll card is a card issued by Caixa Econômica Federal, ideal for people who are negative, that is, with their name registered with the credit agencies.

In this regard, it is an ideal card for INSS beneficiaries in general and the great positive point of this card is the 5% credit limit allocated margin.

That is, you will have the amount of 5% of the card limit deducted from your benefit every month. So it's important that you make sure you use at least these amounts every month on your card.

Well, Banco Daycoval was founded in 1968, being a Brazilian institution with more than 50 years in the market.

In this regard, it is an institution that offers credit to companies and individuals, as well as exchange and investment services. Among the products offered, we also have the Daycoval payroll card.

So, it is an exclusive card for INSS retirees and pensioners, as well as public servants, being very similar to conventional cards.

Thus, you can use the card for daily purchases, in physical and virtual establishments, as well as payments and installments.

Well then, the card has a minimum value of the card invoice of 5% deducted from the benefit or from the user's paycheck with one of the lowest interest rates on the market, and it is also exempt from charging an annuity.

Finally, Banco Daycoval does not consult the SPC or SERASA, however, although interest rates are reduced, interest and fees are charged according to the amount and type of service used by the customer.

This means that you will not be exempt if you delay payments, need to pay in installments, as well as make withdrawals or transfers using the card.

Finally, if you are a civil servant, retiree or INSS pensioner and are looking for a card with fairer rates that will help you control your finances, the Daycoval payroll card may be what you need!

But to be sure of this decision, see the benefits below.

Therefore, the Caixa payroll card has several advantages, the first of which is exemption from annual fees.

This is because this card only charges the card issue fee, which is R$15.00 and can be divided into up to three installments on the invoice.

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

Just like you don't consult the SPC or SERASA when doing the credit analysis.

And, you still have a professional to carry out small repairs in your home up to three times a year. Amazing, isn't it?

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 make shopping easier, but you are undecided about the bureaucracy in credit approval. Don't worry, the Box has what you need.

Well, the Daycoval payroll card has several advantages, the first of which is the annuity exemption.

That's because you pay nothing to keep the card services active.

And, in addition, the credit analysis carried out by the bank does not consult the SPC or SERASA, as well as you have much lower interest rates than a normal credit card.

Another advantage is that the card has a credit limit above market standards and the minimum invoice amount with direct debit from the payroll.

Furthermore, you can pay your purchases in up to 15 interest-free installments in accordance with the conditions of the retailers, as well as being entitled to withdrawals at ATMs or direct transfers to your account.

Finally, you have access to Mastercard reward programs.

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.

Well, the only disadvantage of this card is that it is accessible only to INSS retirees and pensioners and Public Servants.

That is, it makes it difficult for other interested people to access the credit card.

Well, the Caixa payroll card or the Daycoval 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!