If you have doubts about the prepaid Ourocard card or the Ourocard Universitário card, rest assured, because today we are going to solve them through this comparative text.

First of all, we know Banco do Brasil's tradition in relation to banking products, accounts and credit cards. With the purpose of reaching the young public, in particular, the decision to offer a university credit card is not old, and also an option for negative students not to close their accounts.

As much as they seem similar options, each card is made for a financial profile. Just to exemplify, the university Ourocard is for those who start their studies and need a line of credit even without income, that is, just present your proof of enrollment and have a minimum limit, such as R$1,200.00 .

On the other hand, prepaid Ourocard is the option for those who are in debt to the bank or are in default in some way and are no longer able to access the credit modality, so that the customer will be able to pay with a credit card even with a name at SPC or Serasa.

Finally, learn about the main characteristics and differences between the prepaid Ourocard card and the Ourocard Universitário card, below. Let's go!

Firstly, this card is prepaid, that is, it needs to be recharged for the credit function to work. Furthermore, when you have a BB bank account, it is easier to use this card through internet banking, for example. Therefore, you must already be an account holder to join.

Like other prepaid cards, this one does not allow installments, but, unlike those that already exist on the market, they do not charge membership fees, card creation or any other fee, such as recharge fees, that is, being an account holder everything will be included.

Finally, for Banco do Brasil account holders who are negative or have a low score, this is the option already associated with their bank account that offers credit payments.

With the purpose of reaching the younger public, the Ourocard university card is one of the only existing cards in the modality that offers a high limit without proof of income. This is because the student only needs to prove the link with the university to have a Visa credit card that allows international purchases.

Furthermore, students who, before applying for a credit card, sign up for a student loan, such as FIES, have even more chances of approval and of obtaining a higher limit, since they are contracting more than one banking product offered by the financial institution.

In conclusion, university students aged 16 to 28 can get the Ourocard credit card and use it for basic needs, provided there is some income to pay bills and installments, of course. In summary, even if it is a more basic modality, the customer has access to all the bank and brand discount packages and promotions.

Even if it looks like a prepaid credit card like the others, this one offers the lowest number of fees and a secure and consolidated bank account, like that of Banco do Brasil. In addition, it can be purchased without leaving home, the order is allowed through the application itself. In addition, there are other advantages described below.

If a young university student needs credit, most banks may not offer it, so the university card modalities came to solve these problems and give a chance to those who need money for college expenses. 

Still yes, it's not an extra income but an amount to be paid. Also, see the benefits of this card.

Although the benefits are many, the disadvantages of the prepaid Ourocard card start with the fees. Just to exemplify, issuing the card costs R$10.00, in addition, fees for withdrawals on Banco24Horas networks cost R$5.00 and also has a monthly maintenance fee that varies.

Since it is a prepaid card, you will also not be able to make purchases in installments and you will only be able to use the money deposited on the chosen card in the credit function. Finally, another impossibility is that this prepaid card does not allow purchases over the internet, only in physical establishments.

Therefore, it is not possible to say whether it will be useful for payments for streaming services, for example.

Since it is a university account, it has some limitations, such as borrowing, the possibility of participating in investment packages and products made available by the bank.

Furthermore, if you are enrolled in a higher education course but are over 28 years old, you will have to apply for a regular credit card, as BB does not release this modality to people outside the defined age range of 16 to 28 years.

In addition, there are only a few higher education courses approved by the bank, which do not accept enrollment in technological courses, MBAs, rapid graduations as proof, that is, only proof of enrollment from a regulated institution will be valid.

Finally, between the prepaid Ourocard card and the Ourocard Universitário card, we have an age limit for the use of one and a payment requirement for the use of the other. Therefore, before choosing, check your financial situation and how the credit card can handle it, since one allows purchases in installments, but requires commitments and the other does not.

If you still need more research, we will help you on this journey! Below, another comparison made with a lot of thorough research so that you can learn about other available credit options. So read on with our recommended content below.