Initially, the Balaroti card is a card that offers several advantages to customers such as Balaroti financing. In this regard, having a credit modality that allows purchases to be paid in 12 installments and still have access to various products and services is a great proposal!

So, this card that is part of Balaroti stores brings exclusive conditions as we will show you later. So keep reading until the end to find out how this financing can help you! Check out!

So, the Balaroti credit card was created to bring special conditions to consumers who buy at Balaroti stores, having access to more than 50,000 items, as well as at establishments that accept Mastercard or Visa cards.

In this regard, it is a card that has a minimum income of R$800, low annuity, international coverage, rotating interest rates and simple application!

To apply for the Balaroti card, it's very simple, just have your CPF, RG, proof of residence and minimum income of R$800, as well as, it cannot be negative.

And in addition, the card has advantages such as emergency withdrawal and replacement of the card when necessary.

And besides, you can pay the invoice in up to twenty installments, as well as other exclusive conditions that only the Balaroti card provides!

In this regard, one of the exclusive conditions is the personal credit that can be contracted with the Balaroti card.

That's because, with the card, you can access Balaroti financing when shopping for construction material at the company's stores!

So, it is nothing more than a type of credit to purchase products in the company's establishments.

Well, customers have access to Balaroti financing, which is a line of credit to help when buying materials in the stores of the company Balaroti Comércio de Materials de Construção, which have more than 50,000 products available to consumers.

And in addition, the customer has a modern card, with a simple request, just following the criteria such as minimum income and not having a dirty name!

Another advantage is that the Balaroti card also has an application that belongs to Banco Cetelem, and is available in versions for Android and iOs. Thus, through it, you can operate your account, make payments and transfers 24 hours a day and finally check the best day to buy.

And in addition, you can get a limit above the initial limit, as well as get discounts and offers at Balaroti establishments, as well as Mastercard and Visa. Therefore, it is a very broad card that allows you to have several purchase options!

Among the disadvantages of Balaroti financing, we have the analysis of credit approval, which is very careful, because a minimum income of R$800 is required.

Likewise, the customer cannot be negative, as the company performs an analysis with the credit protection agencies.

And in addition, the card has installment interest rates of 6.79% per month, 120.07% per year, as well as other charges that can become a problem in the long run!

Therefore, it is necessary to consult the conditions, interest rates, and the Total Effective Cost of the operation before contracting Balaroti financing!

Well, the hiring can only be done through the physical stores, that is, you will need to go personally to any of the Balaroti stores throughout Brazil, to request your card.

That's because, to have access to credit, you need to have access to a credit card. Then, you can apply at Balaroti stores.

To do this, just go to the store with an ID with a photo, CPF, proof of income and residence. So ordering is quick and simple! But if you have any doubts, just contact the official Cetelem bank!

So, based on our research, this financing is worthwhile as it works as a proposal to simplify the buying process for Balaroti customers.

But, like any other type of credit, it also has its negative points.

Therefore, before hiring, make an analysis of all the pros and cons of Balaroti financing, to then make your decision! Good luck!