Being negative or having a bad name can be a major impediment when applying for a card or loan. It becomes even more difficult to find a credit card for those who are negative. However, having these pending issues in your name does not necessarily prevent you from getting your card. In this article we will show you some credit card options that are easy to get approved, even for those who are negative. Keep reading and find out how to get yours!

The answer is yes. At first, it may seem more difficult to get a credit card for a negative person. However, the chances are not zero.

For those with a bad name, the ideal is to look for ways to improve the bank's image and provide more guarantees. In this sense, maintain a good relationship with the bank, try not to create new debts in addition to what already exists. Or else, pay off the high fees. This happens because as the bank is not sure of your history, they tend to increase interest rates. So, you end up paying a lot more to get your credit card.

Another way to get a credit card is to purchase a credit card. However, assigned cards have specific conditions. The conditions include being hired with a formal contract, being a public servant or being retired or an INSS pensioner.

Check out the 5 credit card options for negative people below.

The Caixa Econômica Federal card in the payroll modality is the Caixa Simples card. It's a great option as the card's minimum value is low. Furthermore, in each installment only 5% is taken from the value of your benefit or salary. Altogether, requesting this card is very simple, going directly to a Caixa branch.

One downside is that the card has an issuance fee. However, this amount can be paid in up to 3 installments on the invoice. As we are talking about negative credit cards, here is some good news: Caixa does not consult either Serasa or SPC. However, to request the card you must pay off all debts with the financial institution.

If you are interested in the Caixa Simples card, requesting it is very easy. Go to a Caixa branch with the following documents: ID, CPF, proof of residence and benefit statement.

An international payroll card option is the BMG Consignado. This credit card is designed exclusively for INSS retirees and pensioners. In addition, it has much lower interest rates than other types of credit.

With it, it is also possible to guarantee a limit of up to 1.6x of your benefit and the minimum amount is deducted directly from the payroll. Additionally, cash withdrawals are also available at BMG Consignado. It is possible to request up to 70% of the limit available for withdrawal.

The charge is only posted on the following month's invoice, giving you even more time to pay. If you are retired or a negative pensioner, applying for the BMG Consignado card requires just a few steps. Go to BMG bank with ID and CPF in hand, open your account and then request your BMG Card.

Like the BMG Card, the Banrisul Consignado card is also an exclusive card for retirees and pensioners. With this card, you have 45 days to start paying your bill. Longer than common cards, which usually last around 30 days.

To request your Banrisul Consignado card, you must go to a branch of the Institution or contact the Customer Service Center on 0800 646 1515. 

The Banco Inter payroll card has the benefits that a digital bank can offer. With this card, you do not pay an annual fee and also have the invoice amount deducted directly from your benefit. Furthermore, speaking of interest, the rates on this card are much lower.

Another important factor for those looking for a negative credit card is that Inter does not consult SPC or Serasa. With your international Inter Consignado card, you can still make withdrawals of up to 90% of your card limit.

The Banco Inter card is very similar to Caixa Simples. However, Banco Inter has some less bureaucratic facilities. Probably because it is a digital bank product. If you would like to request it, simply contact the Customer Service Center on 3003 4070.

The Superdigital credit card is the only one on our list that is not assigned. However, it also has its conditions. The Superdigital negative credit card is a prepaid card. It has all the features of a common card and works with the credit function. With it, you can make your purchases in physical stores, online and also purchase via subscription. 

The positive point of taking out a prepaid card when you are in bad debt is that you avoid debt. Mainly because with this modality, there is no invoice installments, fear of expenses at the end of the month, etc. An advantage is that to take out this card, Superdigital also does not consult either SPC or Serasa.

To have your prepaid card you need to open an account with Superdigital. Once this is done, you will quickly be able to unlock your card through the application. 

The negative credit card is usually assigned, as this modality provides a guarantee for the bank. As the installment is deducted directly from the benefit or salary, the chance of default is almost zero. This way, the bank can trust the payment and does not need to be so bureaucratic or apply such high interest rates.

After knowing 5 credit cards for negative people and understanding more about the subject, it became easier to decide the best option, right? Being in debt can be difficult, but getting out of debt is possible. Remember to always keep a plan and organize your finances.

This way, you don't create new debts before paying old ones. So, if what you really want is to finally clear your name, check out our recommended article below. In it, we give 5 infallible tips so you no longer have a dirty name. Read now!