Cards
Get to know Ibicard Fácil
Get to know the Ibicard Fácil credit card, which can be a good option for those with negative credit who are looking for practicality and security!
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How does Ibicard Fácil work?
At the outset, we need to say that the Ibicard Fácil card was created by IBI. This is because IBI, which previously partnered with C&A, is now part of the ELOPAR group and has banks such as Bradesco and Banco do Brasil, ranked among the largest in Brazil, as partners.
Well, IBI has more than two million customers throughout Brazil and currently works with several products, including the Ibicard Fácil card, which works as an ideal credit card for people who are negative, as it does not require proof of income.
So, the Ibicard Fácil card is one of the best options on the market for people with a dirty name, as it does not carry out a credit analysis at credit bureaus such as SPC and SERASA. Therefore, see a table below with the characteristics of this card:
| Minimum Income | EXEMPT |
| Annuity | 10 x of R$3.60 (total R$36.00) |
| Flag | MASTERCARD |
| Roof | International |
| Benefits | Up to 40 days to start paying bills Installments of purchases up to 12 installments Invoices by email Discounts for exams in accredited laboratories Free add-on cards Exemption from proof of income Payment of bills in up to 3 interest-free installments |
How to apply for the Ibicard Fácil card
Get to know the Ibicard Fácil card, the ideal option for negative credit cards, and full of exclusive advantages.
What are the advantages of Ibicard Fácil?
Well, let's get to know the advantages of the easy ibicard credit card:
- At first, the first and biggest advantage is the exemption from proof of income. That is, there is no credit analysis with the SPC and SERASA and thus, it is a good option for those with negative credits;
- Another advantage is the period of up to 40 days to pay the bills, as well as being able to make installments in up to 12 installments;
- Furthermore, there is also the possibility of receiving card invoices by email, as well as purchase limits and withdrawals;
- Discounts for taking exams in accredited laboratories;
- Another advantage is the credit limit chosen by the customer;
- Bill payment In up to 3x without interest;
- Two additional cards with the same limit;
- Income from money linked to investment funds and much more.
In other words, this card is among the best on the market because it has exclusive conditions that are not found on conventional cards.
And the disadvantages?
Well, among the disadvantages of this card, the biggest one is the annuity fee and other fees that are charged, for example, interest rates on withdrawals, installment fees that are around 4.90%, as well as the interest rate on the card which is 6.90%.
So, before opting for the card due to the absence of proof of income, it is worth doing a survey of the fees charged, as well as the annuity to find out if it is really worth it.
Ibicard Fácil worth it?
So, this card is one of the best on the market, as it presents a very competitive proposal with rates that are lower than normal, as well as not doing a credit analysis, making it a great option for those with negative credit who are looking to have a card. credit.
And in addition, the card also has the idea that the customer needs to invest the money to be able to increase the limit of the card, helping these users to learn how to deal with finances.
However, the card loses out in the absence of a benefits program, which is quite common with other credit cards, which can therefore be a major disadvantage.
Therefore, first of all, make comparisons between credit cards to find out if the Ibicard Fácil card is a good option for you.
How to make the Easy Ibicard?
Well, as we mentioned, this card is safe and super advantageous to use. To do so, just go to one of the Ibi stores with your personal documents in hand.
Therefore, to apply for an IbiCard Fácil credit card, we will show you the steps you need to follow below.
How to apply for an Ibicard Fácil card
Check the Ibicard Fácil card. Without proof of income and without consultation with the SPC and SERASA, full of exclusive advantages.
About the author / Joyce Viana
Reviewed by / Junior Aguiar
Senior Editor
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