There is no greater feeling of impotence than having a credit application turned down due to SPC and Serasa restrictions. The situation is boring and embarrassing, as well as exhausting. After all, when you need it most, you get a no to your face. But calm down that not all is lost! With the Daycoval payroll card, this does not happen, as there is no name query for approval. Want to know more? Then follow us!

As the name implies, the Daycoval payroll card is not a conventional credit card. However, you may be wondering: “but, after all, what would this product be?”. If this is your question, the answer to it is right below!

The payroll card is nothing more than a common credit card, but with an important difference: the minimum amount of the card bill is deducted from the user's benefit or paycheck, thus reducing the chances of default. That is, even before receiving your salary or retirement, part of what you owe to the payroll card will already be paid automatically from the payroll margin of your card.

And here comes the question: but what is the consigned margin? Well, it refers to the percentage of your salary or benefit that can be committed to paying the minimum amount of your invoice. With that, what's left can be paid by you in any banking network. Just have the invoice issued by the bank in hand and that's it!

Finally, it is important to know that, because the payment of the invoice is deducted from the payroll, there is a very positive point in this type of credit card. The first is that this characteristic reduces the risk of default, positively impacting the reduction of reduced interest rates. However, not everyone can apply for it, as it is exclusive to those who can obtain a payroll loan, that is, INSS retirees and pensioners, as well as public servants.

Founded in 1968, Banco Daycoval is a Brazilian institution with more than 50 years of history in the market and, therefore, has credibility and trust, mainly in the segment in which it operates, which is credit for companies and individuals, as well as foreign exchange and investment. Among its products is the Daycoval payroll card, the focus of our text.

Exclusively for INSS retirees and pensioners, as well as public servants, the Daycoval payroll card is similar to traditional cards. In this way, it can be used for all transactions intended by the user, such as day-to-day purchases, both in physical establishments and in virtual stores, recurring payments (such as service subscriptions) and installment of your routine expenses.

As already mentioned, the card, as the minimum amount of the card invoice is deducted from the user's benefit or paycheck, has one of the lowest interest rates on the market and is also exempt from the annual fee. To improve even more, its approval does not depend on consultation with the SPC or Serasa. Perfect, isn't it?

But attention! Although Daycoval payroll card fees are in fact differentiated when compared to others in the market, interest and fees are also charged according to the value and type of service used. That is, you will not be exempt if you delay payment, need to pay the invoice in installments, withdraw or transfer money using your credit card, okay?

In short, if you are a public servant, retired or pensioner from the INSS and want a card with more affordable rates, which allows you to have good control of your finances, since your limit is calculated from your monthly benefit, then the payroll card Daycoval may be a good alternative for you. To be 100% sure of this decision, see, therefore, its benefits that are listed below. That way, you won't have any doubts and you'll be sure of what you're doing.

From what we've talked about so far, you can understand that the Daycoval payroll card has numerous advantages, right? So how about we go deeper into this topic? If you see it, then let's go there!

This is certainly one of the best advantages of the Daycoval payroll card: approval without consultation with the SPC/SERASA. By having the payment deducted directly from the payroll, people who have restrictions on the CPF and, therefore, cannot get credit because they are negative, can have a card to call their own. So, if you find yourself in this situation, don't even think twice about asking for your Daycoval payroll card, okay? It will certainly be of great value to you!

When we talk about the Daycoval payroll card, you probably suspected that there is some annuity behind all this, because, after all, the benefits are many. Fortunately, this assumption of yours is more than wrong! This is because we are referring to a product that does not charge you an annuity to use it. Considering that, in conventional cards, this fee can exceed R$ 100 per month, then there is no doubt that this is one of the card's great differentials.

Another advantage of being a payroll product is that, as payment of the invoice is deducted directly from the payslip, the Daycoval card has lower interest rates when compared to others on the market. After all, once the minimum payment is guaranteed, the bank's risk of default is drastically reduced. In this scenario, there is no reason to charge high interest rates, right?

Have you ever thought about traveling abroad or wanting to make a purchase at a foreign online store and not having a card for that? It's not a good situation, don't you agree? But with the Daycoval payroll card, know that this type of problem will not be part of your life. That's because it has international coverage, which means you can use it to shop abroad. Also, because it has a Mastercard brand, it has wide acceptance in commerce, which will save you a lot of headaches.

As we are talking about the Mastercard brand, another huge advantage of the Daycoval payroll card is that it participates in the Mastercard Surpreenda program. For those who don't know it, it's a benefit program in which you accumulate 1 point with each transaction you make using your Mastercard brand card. With these points, you can exchange them for discount vouchers at various partner establishments.

So, did you like what you saw and the advantages of the Daycoval payroll card? If so, then keep reading and find out how to order one for yourself!