Before we start talking about the advantages of the OpaPay Mastercard, how about we refresh our memory and compile a summary of what the card is all about? This way, you will better understand the product and how its functionality impacts its benefits.

So let's get to it: the OpaPay Mastercard credit card is a prepaid product, that is, rechargeable. Precisely because it has this characteristic, it is necessary to deposit an amount on it, because, even if you use it in the credit function, your purchase will be discounted as if it were a debit.

To top up your OpaPay Mastercard, you need to open a digital account with the financial institution OpaPay Brasil. But don't be scared, because it's free and you won't encounter any bureaucracy in the process of opening it, since it's 100% online. Oh, and if you have a bad credit rating, good news: there won't be any obstacles because of this. Excellent, right?

Now that you have a fresh memory of the product we are talking about, the long-awaited moment has arrived: to learn more about the advantages of the OpaPay Mastercard. After reading this list of benefits below, it will be impossible for you not to apply for yours. Trust me!

This is certainly one of the best advantages of the card: approval without consulting the SPC/SERASA. With this, people who have restrictions on their CPF and, therefore, cannot get a credit card due to their negative credit score find a great solution with the OpaPay Mastercard. Therefore, if you find yourself in this situation, don't even think twice about applying for your card, okay?

Not only do you not have to prove that your credit is clean for OpaPay Brasil to issue you a credit card, the financial institution also does not require you to prove your income. Perfect, right? Thanks to this facility, self-employed workers and even unemployed people can benefit from the OpaPay Mastercard, because if they previously had several difficulties in obtaining their card, now they will not have to do so anymore!

We would love to tell you that the OpaPay Mastercard does not charge an annual fee to maintain your card, but it does. However, you don't need to worry about the cost! To use it, you only need to pay R$1,900 per month – yes, you read that right. This amount certainly doesn't stop anyone from applying for this, which is one of the best credit cards for people with bad credit. In fact, let's be honest: it's actually a very low cost considering all the benefits this card offers, don't you agree?

There is no doubt that conventional credit cards have several benefits. After all, with them, you have extra credit that can often exceed the amount you have in your account. However, among so many advantages, there is one obstacle that greatly limits the lives of its users: its limit.

So imagine the following scenario: you want to buy online and pay with your credit card because you need the product urgently and can't wait for the payment slip to clear, which can take up to three business days. However, your credit card limit is very low, which makes it impossible for you to purchase the product. So, what do you do?

With a prepaid credit card, such as the OpaPay Mastercard, this situation does not exist, because you are the one who sets the limit! As we have already said, you need to top up your card to use it, but there is no “maximum” for this. In other words, as many say, “the sky is the limit”!

Another advantage of being a prepaid card, that is, a rechargeable card, is that you will never be caught off guard by the OpaPay Mastercard charging you interest or fees – except for the maintenance fee that we just mentioned above. Since you need to put money in your account to use it, this means that you only spend what you have, without benefiting from any credit from OpaPay Brasil and without running the risk of late payment, which ends up incurring financial charges. In other words, no surprises at the end of the month!

Another great benefit of the OpaPay Mastercard is that it is a prepaid credit card: there is no risk of your credit score being blacklisted. Just as there is no interest or fees charged because there is no risk of getting into debt with OpaPay Brasil, there is also no chance of you losing control of your finances and, as a result, having your CPF restricted. This makes the card perfect for those who struggle with their personal finances.

Make no mistake: the fact that OpaPay Brasil does not require you to have a conventional bank account is already a great advantage that sets it apart from the rest. Although it is necessary to create a digital account, precisely because it is through the available balance in it that you will top up your credit card, the financial institution does not require any proof of address, income or clean name in SERASA/SPC for this. As we know, this is the purest exception to the rule.

Finally, another benefit of the OpaPay Mastercard is that your credit card allows you to make withdrawals at Banco 24hrs terminals. So, that moment when you find yourself in a tight spot because you only have your card and no cash in your pocket to take, for example, public transport is definitely over! Now, just go to the nearest ATM and withdraw the necessary amount with your OpaPay Mastercard credit card.

So, do you want to know how to order your card? The process is extremely easy, click below and check it out on the OpaPay website.