I'm negative: Is it possible to have access to a credit card even with a dirty name? This is a doubt of several people all over Brazil. This is because the number of negative and indebted people has increased significantly in recent years, with emphasis on the year 2020.

Furthermore, the credit card is a way of having access to various products and services even with cash in hand, and it is also possible to pay for purchases in installments, making life easier for these people.

But, unfortunately, accessing credit cards is not so simple and, therefore, these people find themselves in a dead end: No name, no money and no card! Today we are going to answer these questions and get to know some models of credit cards for negatives!

Well, when a person has a dirty name, he has more difficulty accessing credit. This is because banks and finance companies lose confidence that consumers will honor their financial commitments and pay all their bills.

The fact is that, for these institutions, since this consumer did not honor the last bills and had his name inserted in the credit bureaus such as SPC and SERASA, nothing proves that he will honor the payment of the new expenses.

Of course, the institutions are not completely wrong, as they also need to protect their contributions from possible bad payers. But, there are banks that allow negative credit cards to be used, and we will show some of them below.

So let's meet 6 cards for people with a dirty name. Check out:

Initially, the BMG card is the Payroll Credit Card, an exclusive option for civil servants, retirees and INSS pensioners. In this regard, as it is a payroll card, it has become a great option for people with a dirty name with a limit.

This is because payroll cards have restrictions and the payment of the invoice occurs directly on the payroll of the retiree, civil servant or pensioner, that is, it was a way that the banks found to reduce the risk of default.

And in addition, he does not ask for proof of income, as well as annuity. And it has a Mastercard flag, with several advantages of the Mastercard Surpreenda!

I'm negative: What credit card can I have? Nubank is a great card for negatives. This is because it is a card that is part of the Nubank digital bank, and you set your own limit. That is, you can organize finances in a practical and intuitive way!

There are also two Nubank card models: Gold and Platinum. Among the offers of these cards are listed: purchase protection insurance, travel consultancy, travel medical emergency insurance, international offers, car insurance, and other exclusive benefits for Nubank customers.

To apply for the Nubank card, you must be over 18 years old, be a resident of Brazil and have a regular CPF. After that, you can make the request through the Nubank app or the Nubank website very quickly! So, just wait for the release!

The Neon card is part of another digital bank which is the Neon bank. In this regard, it is a card that has an international Mastercard flag, that is, you can make purchases anywhere in the world, it does not charge an annuity fee and the other fees are very low.

The fact is that Neon bank does credit analysis, however, it is simple and accessible to those with negative credit. And in addition, the app has several advantages for customers, and the card also has zero annuity, as well as a virtual card for online purchases and it is possible to put the card bill in automatic debit.

Applying for the Neon card is very simple. It is enough for the customer to be over 18 years old, RG and CPF regularized at the Federal Revenue and make the request through the Neon bank app. After making the request, the bank will start the credit analysis.

Well, the PagBank card is an ideal card for people with negative credits, as it does not charge an annuity and has an international flag, that is, you can shop in national and international stores and the card is completely free!

And in addition, to use the card when shopping, just use it as credit normally in the card machine. But, at the time of purchase, the amounts will be deducted from the balance in the PagBank account. In other words, it works like a debit card!

The Pag! is a card model that offers several advantages to make customers' day to day easier. That's because it became a partner of Serasa eCred and thus increased the chances of negatives joining Pag!'s client team!

To apply for the card is very simple, as it does not consult the CPF and still has a digital account that allows you to make payments and financial transfers. Another advantage is that the card is completely free of annual fees and has a partnership with several stores!

Another credit card option for people with a dirty name is Pan Consignado, a credit card from Pan bank. This is because, as it is payroll-deductible, it has some limitations, for example, a limit of up to 2x the salary of the credit card user.

And in addition, Pan Consignado has rates 4x lower than common cards. And just like every payroll card, the card discount is directly on the customer's payroll! Thus, the bank stops taking so many risks because it is a negative.

I'm negative: Is it possible to have access to a credit card? As we have seen, the answer is yes. But for that, some criteria need to be followed. Therefore, make an analysis of all the cards that we show here and see which one meets your expectations.

But if you're still looking for more tips for choosing a credit card, check out our recommended content below!