First, in April 2020, the number of negatives in Brazil exceeded the margin of 62.83 million people, being considered the largest number of people with a dirty name in history, which is a big problem, since being negative restricts the access to various financial products. So today we brought 6 card options for negatives.

Thus, you will be able to consult all of them and check which is the best alternative for you. So check it out!

So, see below the 6 card options for negatives in 2021.

If you are an INSS pensioner or retiree, the Cetelem credit card is the best alternative for you. This is because there is no annuity fee and the payment is deducted directly from your benefit, as well as the payment of the remaining balance is made through a bank slip.

Thus, you only pay the issuance fee in the amount of R$15.00 and you can also pay in up to three installments on your invoice, as well as having access to one of the lowest rates in Brazil.

And, in addition, this card is accepted in thousands of establishments throughout Brazil, because it is a card with national coverage, as well as you also get 20% discount in several partner stores of the Cetelem bank and the Elo brand which, in turn, , is the flag chosen for this card.

By the way, it is also important to point out that you can control everything that happens with your payroll card through the Cetelem bank application, being able to access balance and invoice.

In addition, it is also possible to make cash withdrawals at the ATMs of the Banco24Horas network, as well as withdrawals with a deposit into a current account through Cetelem Online, the Cetelem application or the bank's Relationship Center.

Now, if you liked the Cetelem card, see the table below with the main information and recommended content on how to apply for this card.

In the search for a quality credit card, the Neon bank, once again, innovated by bringing the Neon international debit card, which works as if it were prepaid.

This is because the card balance will be the same as available in your account. So, just open your Neon account and when you put money in the Neon account, you will receive the physical international debit card for free, working as a prepaid card to help you control your finances.

And, in addition, the international card has a Visa flag, which is the second most accepted flag in the world, that is, you can buy in millions of establishments worldwide, as long as you have a balance in your account.

In addition, you can also carry out salary portability to your Neon account and, therefore, you will always have balance on your international card, as well as being able to control everything through the application and, with the smart balance, you can even organize your purchases by category and date.

Furthermore, the international Neon card does not charge fees, as you only spend what you have in your account, making it a great card alternative for negatives, as in addition to accepting this group of people it also helps to avoid causing more debt.

Thus, to access the card, all you have to do is create a Neon bank account via the website or the application and enjoy all these advantages. If you liked the Neon Internacional card, then see the table below with the main information and recommended content on how to apply for this card.

Being negative brings several restrictions, because you no longer have access to various financial products such as credit cards and loans. For this reason, Acesso Card made the Acesso Card international prepaid card available.

This is because you can apply for this card without worrying about paying an annual fee or card maintenance when there is no balance in your account, just paying the card issuing fee of R$14.90 or if you recharge R$100, the card Access is completely free of charge.

And, in addition, top-up amounts above R$500 are free of charge, and for amounts below R$500, a fee of R$2.50 is charged per top-up. On the other hand, top-ups via bank slip, deposit and direct debit are free from charging top-up fees.

In addition, the monthly maintenance fee is R$5.95, required only when there is a balance on the card, that is, you don't have to worry about getting into even more debt. By the way, all of Acesso's services are transparent, so you know exactly what's going on with your card.

Another option for negative credit cards is the BMG bank payroll card, because it is ideal for INSS retirees or pensioners, as well as public servants even if they are negative and has the lowest interest rates on the market.

And, in addition, it has a limit of up to 1.6x the amount of your benefit, it does not charge an annuity and the payment referring to the consignable margin is deducted directly from the payroll.

In addition, you can also choose to pay the remainder of the invoice directly from the BMG application. And speaking of the application, you can access your card balance, invoice and everything that happens with it through the app.

Furthermore, this card is international, that is, you can make purchases in Brazil and in other countries and enjoy discounts at BMG bank partner establishments and the Mastercard brand, which is the payroll card brand.

So, Banco Pan's payroll credit card is yet another excellent alternative to cards for negatives, as it is available to INSS retirees and pensioners, federal, state and municipal civil servants, as well as Army servants and pensioners.

And, in addition, the card does not require an annual fee, the limit is up to 2 times your salary and payment is made directly on the payroll. As with this card, you can make payments, purchases, withdrawals and have interest rates up to 4 times lower than conventional credit cards.

In addition, the deduction from your payroll is part of the invoice, the remainder must be paid by you at bank branches or lottery houses through a bank slip. And you can still withdraw up to 70% from your limit. To apply, simply do the simulation online and wait for the credit analysis.

So, if you are looking for a financial institution that opens a digital account safely, without any bureaucracy and that accepts negatives. Superdigital can be a good alternative, as your account is 100% digital and free and you still have access to your credit card.

And, in addition, you can control everything that happens with your prepaid credit card through the Superdigital application. It is also possible to pay bills directly from your cell phone, receive and transfer money to any other bank and make withdrawals at the Banco24Horas Network ATMs.

In addition, the credit card is free of annuity, exempt from the requirement of proof of income and completely simple to apply, as you only need to open your Superdigital account to access the card. So, if you liked this card, see the table below and the recommended content below to order.