If you are in doubt between the Crefisa card or the Itaú card, you will find a comparison of them in this text.

You've certainly heard of Crefisa, which has become one of the largest loan companies in Brazil. It offers personal and payroll loan options and even approves money for negative borrowers in some cases. However, these customers experienced delays and difficulties in accessing money without transfer fees.

As difficulties arose, Crefisa created a debit card focused on its customers' transactions, almost associated with loan approval. On the other hand, it is not a credit card, unlike the traditional options offered by Banco Itaú.

First of all, know that Itaú does not approve lines of credit or loans for negative people. But there are types of credit cards that suit any financial level, whether high or extremely low, for example. That's why the Itaú Click card has become so popular, mainly because it doesn't charge an annual fee.

Finally, we will compare and help you decide between the Crefisa card or the Itaú card so that you have access to good financial institutions that can offer easy credit. Furthermore, these cards are useful in several aspects, as well as having no abusive charges or fees. Therefore, follow our comparison.

Firstly, Crefisa was founded in 1964 and became popular for providing loans to public servants without consulting the SPC/Serasa, offering fairer and more accessible conditions at the time. Therefore, over the years, it became the richest company in the segment in Brazil, earning more than 2 billion reais every year.

Secondly, technology forced an old company like Crefisa to keep pace, making them offer more and more advantages and ways to keep these customers using the personal credit offered without any bureaucracy. As a result, some time ago, they decided to invest in a debit card.

In order to facilitate banking transactions, Crefisa, which is now a bank, has two types of cards, a prepaid one, which must be recharged, and another, called multiple, where the customer moves the borrowed money and can pay invoices. , make withdrawals and make transfers.

Finally, associated with a Crefisa current account, the card can only be used for debit and speeds up the arrival of loan money to the account, reducing the period to 24 hours. Furthermore, for those who are public servants and are looking for more credit, the decision between the Crefisa card or the Itaú card is even easier.

First of all, Itaú's tradition and security in relation to credit cards are proven by the number of active customers, a number that exceeds 50 million people. Therefore, in addition to offering a more basic card like Click, there are also more than 10 types of credit cards prepared for customers.

Therefore, the Click type is offered to customers who do not have much movement, but need to pay in installments even without having a high income. In addition, the annual fee requirement is excluded, with limits being released from R$300.00, which is high for those with a minimum income.

Furthermore, the Itaú Click card also offers a 50% discount at cinemas and other partners, such as stores and major brands. However, it is not accessible to those with a low score or a negative name, that is, it depends on credit analysis and research at SPC/Serasa.

Finally, if your name is clean and you are looking for a credit card with low rates, the question between the Crefisa card or the Itaú card becomes easier to resolve.

Despite not being a credit card, the Crefisa card comes as a cheap and, at the same time, accessible option, with a digital account and the release of transactions at no cost to the customer. Furthermore, see the advantages below.

Just like a credit card for national and international purchases, have a fee-free option, such as an annual fee or delivery of the physical card. Additionally, get a higher limit after three months of use. Furthermore, we have separated other benefits of this card below.

Even with the great benefit of loans released more quickly, it is important to highlight that a card without a credit function does not attract the customer. This is because they will not be able to make international purchases and may even face restrictions when purchasing online in some cases, for example.

Furthermore, it is not very advantageous to have a current account that offers the same benefits as regular salary accounts, despite having fewer fees, that is, no installment payments. Furthermore, be aware that only to activate this card you need to have an approved loan or deposit into your Crefisa current account.

In order to select customers, Itaú does not allow entry to those with a negative name or low score, that is, no restrictions on obtaining the Itaú card. Furthermore, only incomes above R$2,000.00 have a better chance of getting a good credit limit.

It is certainly great not to pay an annual fee, but it is important to highlight that it will not only be charged if you spend the monthly amount of R$100.00 on your credit card, which also binds the customer to the obligation of always creating new invoices every month to avoid the fee.

Finally, choosing between the Crefisa card or Itaú card must be a thoughtful decision, because they have different characteristics and advantages. Therefore, take into consideration all the information provided before making the final decision.

While the details are clear, we know how difficult it is to choose just one card, so don't worry! If the doubt remains, our team has prepared another comparison to help you with this difficult decision. So, click on the recommended content and remember to prioritize cards with few fees and many benefits.