Initially, the credit card is one of the most used forms of payment in the world. That's because you can shop even without having cash in your hands at the time of purchase, and you can even pay in installments, in the case of credit cards! So how to get the first credit card?

Today, we'll show you how you can get your first card and other important tips to improve your financial life! So check it out!

At first, it's good to know that getting a credit card is not an impossible task, but by following some tips according to the requirements of financial institutions, it can become even simpler! So, let's learn some tips to get cards with quality, efficiency and practicality! Check out:

At first, the first tip is for you to talk to the bank you already have a relationship with. This is because your bank already knows your financial history, as well as the transactions you carry out.

So there will be higher chances of offering credit cards. Likewise, the chances of refusal, if the movements are minimal, also increase!

The fact is that in cases where there is a refusal, being a bank where you are already a customer, they will go over all the necessary steps to get approval the next time! Therefore, contact your agency and expose everything you want!

Another important tip for getting a credit card is to know what your credit profile is. This is because, before choosing to have a credit card, you need to know which card you are going to choose, taking into account fees such as annuity, coverage, minimum income required.

So, try to find out about the cards available on the market and then proceed with your card application! We'll talk about that later!

Well, to make the request, another tip is to have a clean name. This is because most financial institutions tend to deny opening an account, as well as requesting credit cards for people with a dirty name.

Therefore, if you have outstanding financial issues, look for creditors and negotiate all debts before choosing to have a credit card. If possible, choose the prepaid option where purchases can only be made if there is money in the account!

Another tip is to do the Positive Registration at Serasa, because that way you can increase your credit score faster and thus keep the financial record well regarded in the eyes of the institutions and be able to apply for the cards you want!

Try to keep your registration data always updated in the banks of credit bureaus such as SPC and SERASA. This is because, if the information is out of date, your request may be denied. So, to avoid problems, keep the data up to date.

Well then, start checking your CPF score to start organizing your financial life and thus get future credit card approval. So, for that, go to the Serasa website to access your credit score with minimum, average and maximum scores.

So, another tip is to have access to credit cards available on the market! At Serasa eCred, you can search and compare several credit cards at once! And here at Senhor Panda, we've also shown you several reviews so you can choose a good option that meets your needs!

Well, as we mentioned earlier, assessing rates is also very important. This is because each model charges a fee for certain services, but there are cards that do not charge an annual fee, which helps a lot when it comes to the first credit card.

Therefore, when choosing your first credit card, follow all our tips and you will surely make the best choice! Also remember to look for ways to keep your debts paid off and no longer increase your default sheet!