When it comes to shopping, a credit card is a great ally, especially since it is a payment method that you can pay in as many installments as you want. So, for consumers, knowing how to get a credit card in 2021 is even more necessary.

Well then, in order to get a credit card approved, several criteria are analyzed as we will show later and for this reason, these requests are usually denied. That's because people who don't meet the criteria are automatically left out.

So, today, we're going to show you how you can acquire a credit card, as well as, we're going to show you some card options with quick and simple approval for you to do today! Check out!

Well, before trying a credit card approval, some criteria need to be followed. Let's see:

Initially, the first criterion for getting a credit card is to have a clean name. That's because most financial institutions target the customer's clean name to then approve the credit card request.

And besides, trying to have a credit card with a bad name, gives a feeling of distrust of the bank branch, as it works as a form of loan from someone who is already known as a bad payer, that is, the bank's tendency is not to trust you.

Another criterion for getting a credit card is your history as a consumer. That's because, just like your clean name, your history as a consumer, it's also a way for financial institutions to get to know you and find out if you're a trustworthy person or not.

Therefore, the history as a consumer also makes up the criteria that institutions investigate to approve the credit card application.

Well, being part of the Positive Register allows the consumer to have a higher score and, thus, transmit more confidence to the banks.

That's because, to be part of the Positive Register, you need to have your accounts paid off, and thus, you demonstrate that you are a person who bears with your financial pendencies.

Another criterion is to have the accounts in one's own name. This means that you are a person who does not intend to hide and shirk your responsibilities.

Therefore, whenever possible, keep the accounts in your own name, as this demonstrates the reliability and security of financial institutions.

And in addition to all the criteria mentioned above, there is also the criterion of proof of income.

By this criterion, when proving your income, you demonstrate to the bank more confidence and make it understand that you are a person who has monthly income. That is, you have to pay your bills.

To get a credit card approval, even if you have a bad name, it's possible. Well, there are already institutions that accept negatives as we will show. Check out:

Initially, to get approval for a credit card, even with a dirty name, it is necessary to have updated data.

This is because a person who does not need to shirk his responsibilities will always have updated data. However, those who do not want to honor their accounts, as well as other obligations, tend not to keep their data up to date.

Therefore, one of the criteria that institutions use to approve the credit card application is that the data remain up-to-date.

Another way to get a credit card even with a dirty name is to choose a card that is in line with your financial reality.

That's because, there's no point in opting for a card that has high interest rates, and you don't have the financial conditions to pay those fees.

So this will increasingly become a real snowball. Therefore, choose cards that are in line with your reality.

Having a good relationship with the bank is also very important when applying for a credit card. That's because, there's no point in trying to get an approval with a bank that you've already had problems with.

Therefore, look for banks with which you have good ties, or, at least, have never had any problems before.

When choosing a credit card to bring more comfort and practicality to your days, opt for a prepaid card, especially if you have a dirty name.

This is because, with the prepaid card, purchases are limited to the value of the balance that the customer already has and thus, it is a way of making it difficult to access the misuse of finances.

Choose options that are easy to approve, as mentioned below:

Well, this card does not require proof of minimum income, that is, it is ideal for negatives, as well as people who do not have a fixed income.

And in addition, the annual fee is also free and it has a virtual card for online purchases and subscriptions. That is, it is a way to control your money in a very simple way.

Another card model ideal for negatives is the C6 Bank. This is because it also does not require proof of minimum income, as well as the annuity is free.

Also, this card has the Mastercard brand, and users have access to the Mastercard Surpreenda program, full of exclusive benefits for all customers.

Well, Inter is a card that is also quite versatile. That's because, it is linked to a free digital account full of benefits.

And in addition, Inter's annuity is also free, however, it requires a minimum income of one minimum wage. And just like C6 Bank, Inter also has a Mastercard brand and customers have access to the Mastercard Surpreenda program.

Another super advantage of Inter is CashBack, in which customers receive part of their money back on purchases they make, bringing even more practicality and ease to users' daily lives.

Well, this card is one more of the options that are on the market to bring an opportunity to those negative to be in the market.

This is because, it has free annuity, as well as, it does not require proof of income. In addition, you can transfer money to any bank, have access to the Mastercard Surprise program, pay bills directly from your cell phone and even make 24-hour bank withdrawals.

Or if you are already sure that this card is for you, apply for the card now by downloading the Superdigital application and opening your account in less than 10 minutes.

Another credit card full of benefits is Santander SX. However, unlike other cards, it charges an annuity, as well as a minimum income for users.

In addition, this card works with Visa and Mastercard brands and you can access the advantages of both brands, which brings more convenience to users. And, its coverage is international, that is, you can buy in Brazil and abroad.

Therefore, getting a credit card is not a simple task, but by following the criteria in the right way, you can transform applying for a credit card into a less bureaucratic way. So, choose which card best suits your profile and make it today!