The PAN payroll card meets the desire of many people to have an easy credit card and without much bureaucracy in the application.

Its popularity is mainly due to the fact that it is consigned, so it serves people with negative names. Thus, it becomes one more hope.

So, to help you choose a good card that fits your reality, we'll show you everything you need to know about what's offered by PAN bank, such as advantages, disadvantages, if it's worth it and others. Follow!

There are many advantages that a payroll credit card offers you, unlike a conventional credit card. In addition to paying for your purchases in installments, you can request a Banco Pan payroll card even if you have a dirty name with the SPC or Serasa.

Now we are going to list the main advantages for you and we guarantee that one or more benefits of the Banco Pan Payroll Card will certainly meet your needs. So stay with us and check out all the advantages now:

With the Banco Pan payroll card, you therefore do not pay any annual fee. Unlike other card companies, you also won't need to pay a membership fee, which makes the experience much more positive and you already start saving a good amount of money.

Shall we be more detailed? So look, with a card that charges annuity and additional fees, no matter how small the amount, you will have paid at the end of the year a range of R$ 100.00 to R$ 200.00 reais.

Whether you like it or not, it is money that can be used for other purposes, especially when you are negative and need to save.

Unlike a regular credit card that charges interest of up to 15% per month, the payroll card has special advantages with interest of only 3% per month or less. So rest assured! The minimum installments of the invoice will be charged automatically and the interest rates are not abusive, considering the prices of the competition.

Just be smart not to always leave it for later, paying the full amount of your invoice is the best option. It's not good to accumulate these debts as they can become a snowball.

For those who are negative, it becomes increasingly difficult to access credit. Companies consult the Credit Protection Bodies, their credit score plummets and their financial life becomes increasingly complicated.

But with the Banco Pan payroll card, you don't worry about the dirty name, your request can be approved even if it's negative.

As the invoice is automatically debited from your payroll or INSS benefit, the bank is not at risk of not receiving the amount. Therefore, the analysis for approval of your card application is based on your current payment capacity and not on your history.

The card limit can therefore reach up to 2 times the value of your salary or benefit. You also have the chance to make partial withdrawals of this amount in case of emergencies.

When the invoice is paid, the amount is then available within your credit limit whenever you need it.

Whenever you want, you can make withdrawals through account credit or in cash at the Banco24Horas network ATMs. Remembering that the transaction can be done over the internet as well.

That is, did you need some extra money and still have credit on your account limit? Know that you can resort to looting whenever you want. The amount will be deducted from your limit and you will pay little by little. It is available for withdrawal up to 70% of the card limit.

These services have fees, but they are also lower than those of conventional credit cards.

Now that you know all the advantages and opportunities you will have using the Banco Pan payroll card. It's time to learn about some of the possible risks you run when applying for a negative card.

Compromising your income can be a disadvantage to be discussed. The amount is discounted via direct debit and the company is confident that you will pay the amount due. Therefore, the interest charged is generally lower for this type of card.

This can represent an advantage for uncontrolled consumers, but at the same time a disadvantage because the minimum amount spent on the card is not money you can count on, as it will be debited at the end of every month.

Now that you know all the advantages and possible risks that you can take when hiring a payroll card, it is easier to decide if it is worth having one of these in your wallet. If you are within the profile covered by the card, it is a great opportunity to hire.

There is no reason for you to hire a conventional credit card if you meet the profile established by payroll cards. The rates are very satisfactory, you can pay in installments in the same way as with a regular credit card, and even more so only the minimum amount is deducted from your invoice, not the total amount.

That way, if for some reason you are in a tight financial situation, you can choose not to pay the full amount of the invoice, because only the minimum will be deducted.

And if you're negative and already have control over your debts, but still can't access credit, this is a great opportunity to hire the Banco Pan payroll card and go back to consuming conscientiously and regularly.

If you've come this far and know that the Banco Pan payroll card offers you many advantages and the perfect opportunity to go back to consuming with peace of mind, even if you have a dirty name with the SPC and Serasa.

Now that you are sure the card will suit your needs. It's finally time to find out how to apply! And since we never let you down, here's everything you need to know to hire immediately.

Continue with us to find out how to apply for the Banco Pan Payroll Card for negatives. There we show you the complete step-by-step of all the possible ways to apply for your Inter card and start enjoying the benefits right now.