It's likely that you got here because you couldn't get any credit card approved because you had a dirty name, right? With that in mind, we will provide details for you to choose between the Ibicard card or the Crefisa card, which appear as a chance for this audience.

Therefore, the Ibicard card is associated with Banco Bradesco, has a high chance of approval for those who have a low score or have a negative name, that is, it releases a certain limit and benefits even with default. Also, it works like any other credit card.

On the other hand, we have the Crefisa card, which also promises approval for characteristics such as those already mentioned. However, it is a card that requires some things to work in the debit function, such as the transfer of values or the approval of a loan by Crefisa.

Furthermore, it is ideal for those who already have a history with the company and may be the solution if you need quick cash, for example. Finally, we are going to compare these two cards and highlight the most important information, so that you can decide between the Ibicard card or the Crefisa card. Let's go!

As hard as it may seem to believe, the promise of the Ibicard card is an option for those with a low score to get a good credit limit and be able to carry out transactions like any non-paying person, that is, pay for purchases in installments, participate in points programs and make international purchases.

After the approval takes place, you will have a card associated with Bradesco bank with exemption of proof of income, in addition, you will have some ibicard options to choose from, among them, the ibicard Fácil, suitable for those who are negative and need to pay in credit for streaming services, food apps or other monthly payments.

In this way, you will be able to pay purchases in up to 12 installments, use the credit brands normally and even pay the lowest rates among the cards of the same profile, in addition, there is also the advantage of the Fácil account, which allows the installment of water and electricity bills in up to 3 installments, benefits that you can only find when ordering.

Finally, when choosing between the Ibicard card or the Crefisa card, consider which would be ideal for your financial moment, for example, then continue reading and see the comparison.

On the other hand, there are chances that the Crefisa card will be released for people with a low score, but the focus is another: this option is ideal for customers of the brand, who can make loans or transfers of amounts and move the debit account with this amount made available.

In short, you top up the card as you can, preferably taking out a loan and proceeding with financial transactions. Anyway, it has a Mastercard brand, allows purchases in cash and does not charge annuity. In addition, the Crefisa card can be requested through the website, as well as the loan modalities.

Right after the request is made, you have to wait for approval and open a Crefisa account, then move the money like a normal bank account: make transfers, pay slips, carry out salary portability and build a financial history with the company, as this can help you with the approval of personal or payroll loans.

Therefore, evaluate these points if you are negative and need to decide between the Ibicard card or the Crefisa card: both can be released to those with a dirty name, but only one can provide a pre-approved credit limit, installments and other transactions inherent to credit cards.

In addition to the possibility of accessing negative accounts, Ibicard has a low annual fee and is associated with a bank with several advantages, such as Bradesco, therefore, it will be like being a Bradesco customer and taking advantage of its facilities. In addition, see other advantages below.

As much as it seems aimed at just one audience, the Crefisa card can be the way out for those who are deep in debt and need to pay some bills with a debit card, since, for example, some purchases on the internet are not made using bank slips. So check out more perks below.

In addition to the benefits, we must mention the disadvantages of this card, including the annuity that charges an amount every month regardless of whether or not you use the limit to make purchases or payments. In addition, there are also fees for withdrawals, which reach 7.90% and installment fees, which can reach 4.90%. 

Furthermore, it is not possible to apply online, only at an Ibi store or at Bradesco bank itself, for example. Due to security, the information is also provided that the credit limit is determined by a deposit made in the account, so that a pre-approved limit appears, that is, the account must be moved so that there are chances of approval and use.

Even if the Crefisa card makes life easier for those looking for a loan in a time of financial difficulties, it also does not appear with many attractive features for the card to be requested. In addition, not being able to use it in credit purchases does not solve the problem.

Therefore, installments, participation in brand points programs and other advantages are excluded. In addition, there are fees for cash withdrawals and you can only use your Crefisa account by taking out a loan, transferring your salary or transferring amounts for purchases.

Finally, even if disadvantages appear, the two options are excellent for those who are negative and need to make dreams come true, pay off debts or evolve financially. In that sense, it's worth it, unless you need a pre-approved limit more than an amount available through a loan.

Therefore, the decision is easier when choosing between the Ibicard card or the Crefisa card, but if the doubt remains, don't worry: our team has prepared another comparison for your profile that can help you get credit again, or just pay for Netflix, Spotify or food and ride apps. Keep with us!