Have you ever imagined having a BMG credit card for negatives? Having a dirty name is a reality for many Brazilians and getting credit even under these conditions seems like a dream far from reality.

So taking out a loan, payroll or a credit card with a dirty name is quite possible nowadays. But the interest rates charged are abusive, bringing even more complications.

The difficulties of those who are negative are countless and if there is no planning, the debts become a snowball.

With the mission of popularizing financial solutions for Brazilians, the BMG bank was born. It launched a digital account with no fees, meu BMG, which meets the needs of the population that does not have access to credit.

In addition to free withdrawals and unlimited transfers, with the account, you who are negative can then request a credit card with no annual fee, the BMG Card.

The dream now seems to be very close to reality. With BMG you can go back to making purchases in installments and start a new financial life from scratch.

The BMG Card is a negative card. When contacting the request, it is not necessary to prove income, nor will the SPC and Serasa be consulted.

Public servants, retirees and INSS pensioners are eligible for this modality. Since the payment of the minimum invoice is directly deducted from the payroll.

However, the BMG Card has a Mastercard brand and grants many benefits of the Mastercard Surprise benefits program to its users. Through discounts granted in partner companies.

In addition, the card is accepted internationally and it is possible to make unlimited and free withdrawals through 24-hour ATMs.

With the BMG Card, it is possible to obtain a credit limit in a practical way and without bureaucracy. Because the bank has already been granting credit to negatives for years and is recognized in the market. Each case is then analyzed separately and depending on your situation, special conditions are offered even with restriction on the CPF.

As a solution for defaulters who need access to credit, unlike other institutions that have rigorous analysis of CPF and other data, the BMG card does not need to be consulted by the SPC and Serasa.

The query for the BMG credit card is therefore carried out in its own database, which aims to increase the access of the negative population to the credit card.

Therefore, the simple fact of having access to a credit card even with a negative CPF is by far an immense advantage. This is because a card allows you to pay for large purchases in installments, which cannot be paid in cash, request subscription services and much more.

The BMG credit card for negatives has a number of advantages:

If you want to go back to shopping with peace of mind and your debts are up to date, applying for a credit card can make your life a lot easier. But be careful not to fall into more debt.

Now, therefore, you already know that a credit card makes life much easier for those who are negative. As not everything is rosy, you need to analyze the risks you run when applying for a negative credit card.

It is therefore important to analyze interest rates, Brazil has one of the highest interest rates on the market. So be sure to analyze whether it will be a good deal for you. The biggest reason for interest rates to be so high is that finance companies have no guarantee that they will get their money back.

For those who are retired or pensioners, the payroll credit card is an opportunity, due to the lower interest rate. This happens because the financial institution already has a guarantee that it will receive the amount spent back, because the card works with automatic debit, automatically removing the amount spent from your account every month, which receives the benefit of the INSS.

The BMG card for negatives is available for retirees, pensioners and civil servants. If you are part of this public, acquiring the card will be a great deal.

Every month the invoice is deducted directly from your net salary or INSS benefit. That way, neither you nor the bank run the risk of delaying bills and creating more complications for your financial life. This minimizes the chances of default.

So, if you recognize yourself as undisciplined when it comes to paying your debts, it's worth acquiring the BMG card. This way the bills will always be up to date and you are not at risk of being late.

Before taking out a credit card, it is important to analyze all the fees to find out whether or not it will be advantageous for you. Sometimes we hire a card and every month there are so many fees charged on the bill that we don't even know where it came from. Here you can check the BMG card fees without mystery:

It's a lot of opportunities, isn't it? Analyze each of these points carefully and decide for yourself whether it is worth applying for the BMG card based on your needs.

Get smart and organize your financial life before taking out a credit card when it's negative. Taking stock of your debts is very important. Hiring a credit card needs to make your life easier, not generate more debts and headaches.

That's why we've summarized 5 basic tips for you to start organizing your financial life:

Know your debts. Identify all the debts you have on the market. With the values on paper, understand which are the highest debts and interest and what can be paid with amortization.

Abandon default. Saying you want to get out of the red is easy, but you need to really start. Add up your overdue debts. Try renegotiation to clear your name. It is also valid to take advantage of payroll loans to pay off your debts.

What takes your money away? Identify what led you to default. Impulse purchases? High energy expenditure? When checking the factors, try to control unnecessary consumption.

What are your financial goals? Having an organized financial life opens doors for you to start plans and projects. Create financial goals to encourage you to get out of default and achieve something bigger. It could be a celebration trip or even the opening of your business.

If you've come this far, you're sure that the BMG credit card is for you and that it will meet your needs. So, it's time to find out how to apply!

Therefore, continue with us to find out how to apply for a BMG card for negatives.