Initially, having a credit card in hand has several advantages, such as being able to make purchases even without having physical cash in hand, and you can also pay for purchases in installments. But, with the dirty name, is it possible to apply for a credit card for negatives?

Well, let's show you if it's possible to get a credit card even if you have a dirty name and tips for choosing the best card! Check out!

Well, there are several credit cards on the market that are approved even if they have a dirty name. The fact is that most of them are credit but work as a prepaid card, that is, you can only make purchases if you have an available balance in your current account.

That's because, it's a way that banks found to help people with a dirty name and also stay safe in the face of possible defaults! So below, we’ll show you some tips for choosing a credit card for bad debts:

At first, the first tip is for you to list your needs and expectations. That is, know what you really need to then opt for a credit or even debit card.

That's because, all choices have consequences so don't run to your agency manager before you're sure of your current financial situation and what you need! Therefore, list your needs before applying for your card!

Another tip is to analyze the available card options for negatives. This is because there is a wide variety of credit cards on the market with different elements such as annuity, limit, extra benefits, coverage and interest rates.

So, do an analysis of the services offered by each of the cards to find out which one is the best option for you!

Well, each financial institution offers its own annuity and interest rates and the same bank can also present different rates for different cards. That is, calculating credit card fees is very important to make the best choice!

It is important to mention that the annuity usually increases as the benefits offered by the institution also increase! And interest is usually charged when there is a delay or non-payment of an invoice, hence the importance of paying on time!

So, before making your choice, review all the pros and cons to find out which one has the lowest fees or is free of fees!

Well, each card has a specific benefit club, that is, it is worth analyzing the benefits to see which one suits you. That's because, if you don't like going to the movies, it doesn't pay to opt for a card that only contains benefits for the movies.

As much as it is a silly example, in practice it makes perfect sense! So, once again, evaluate your needs and expectations to then choose the best benefits and make the best choice of credit card for negatives!

So, when choosing your card, negotiating the limit is also a good alternative. This is because, most of the time, the bank sets the limit, based on the client's income and financial history to then decide on the limit.

In this regard, it is important to stick to the limit, if it is too small, you can negotiate with the financial institution to increase it. But be careful not to have an out of control in your finances that could come with increasing the limit of the card!

Therefore, it is recommended that the limit be aligned with personal income and spending profile, so that budget control is maintained!

Of course, we couldn't stop talking about the importance of being a financial control. This is because, when using the card, remember that it must be used as an alternative payment and not as an expense, that is, you should not use it without precedent.

So don't choose to use a card if you feel you can't handle yourself financially. Opt for the prepaid card in these cases, as we will show you below!

Well, an alternative for people with a dirty name is to use a prepaid credit card. This is because, in this card model, you can only use it to make purchases if you have an available balance in your current account. That is, there is no danger of spending the money you don't have yet.

Therefore, you can choose a credit card for negatives, but pay attention to everything we say to make the best decision. And above all, remember to know exactly what your needs and expectations are before making your choice!