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:

Well, let's get to know the advantages of the easy ibicard credit card:

In other words, this card is among the best on the market because it has exclusive conditions that are not found on conventional cards.

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.

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.

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.