Well, here at Senhor Panda we always talk about the need or not to have a good credit score to get financial products, such as a credit card. But did you know that there is a better credit card score? Well, that's what we're going to talk about in our article now.

So, it is a fact that in order to get approval when applying for a certain credit card, the financial institution will carry out an analysis of your paying profile. Thus, your credit score must be within an ideal range for you to be considered safe for receiving financial products such as a credit card.

In addition, you need to understand how this score occurs and how many points you need to get approval when applying for a card. So, if you are curious about this and are in doubt if you are within the ideal score, stay with us!

Because we're going to bring you all the information you need to know about it, which will make it even easier for you to get approved for that credit card you want so much! So continue your reading and check it out below.

Let's go?

As we said, you need to have the best credit card score when you decide to apply and be approved. Thus, it is necessary to understand what is the minimum score that financial institutions are accepting, and what factors they take into account to reach this score.

So, basically the credit score is what will guarantee you cards with better benefits and a higher pre-approved limit. But it is possible to get approval even with a minimum score within the ideal. 

Thus, it is necessary to understand your history of financial transactions and your debt payments, which are outstanding and which have already been paid off, etc. That is, your credit score is a reflection of your default risk as a consumer of products and services.

In short, understanding which is the best credit card score will help you to know which are the best card options for you, and what you need to improve in your financial transactions to have a higher score.

Well, basically all financial institutions that need to do an assessment of their paying profile before approving financial products will look at the following criteria:

We know that many people think that there is an exact value for the best credit card score. However, it is not like that! 

Because what exists is a range that financial institutions consider Regular and Good. Thus, below that you may have your card application rejected by the financial institution.

In short, there are different ranges that each financial product and institution will accept as a good credit score. Thus, everything will depend on the profile of the financial product and the target audience for which it is intended.

For example, there are cards that target the public with low or negative credit scores. However, there are options that target the public with a high score, in search of a pre-approved limit with large amounts. 

That is, your score may be ideal for a particular credit card, but not ideal for another. So, what matters is that you know what your credit score is currently, and what the requirements of that specific financial product are for your profile.

But let's understand a little more about credit card score scores below.

Because we can define a credit score in a very general way as:

Thus, each financial product will accept a specific score within these types as the best score for that credit card you choose, for example. In short, it is very important that you have a good idea of what your current score is.

But do you already know what your score is or how to find out? So don't worry if you don't already know! Well, we're going to help you with that too!

Basically, as we said, your credit score represents your score as a payer with financial institutions and commercial establishments in general. 

In short, this score is calculated according to your history as a payer, with your payment of bills, debts and requested credits. So, for those who want to know what their credit score is for a credit card, we recommend using Serasa's services.

So it is! You have the possibility to check your credit score through Serasa Score.

Therefore, you must access the main page of Serasa's online platform. Then log in and click on the “Understand your Serasa Score” option. In addition, you will also be able to consult your entire score history over the last few months.

So, don't waste time and know your situation in terms of credit score to be able to apply for a credit card. This way, you will already have an idea of how financial institutions will evaluate you in requests for the financial products you want!

But if you, in addition to consulting, also want to know how to increase your score, we recommend Serasa's Score Turbo! So keep reading and find out more below.

Because among Serasa's services, Score Turbo is the one that seeks to help you increase your credit score faster. So, unlike Serasa Score, which is for consultation only, Score Turbo is a solution to put into practice improving your credit score.

So, having a high score on Serasa Score from your Positive Registration is what will open the doors to better credit line conditions – such as credit card,

Therefore, with Score Turbo your score will be leveraged. But how? Well, basically this Serasa service means that people with lower scores receive more points when they pay off a debt.

In short, Score Turbo helps negative Brazilians stay on track, with their bills up to date. So, these rules all exist to encourage discipline in finance and interest in financial education.

But were you interested and want to improve your score to apply for a credit card? So, check out how to use this service:

So, after that your credit score will increase, and it will be even higher with Serasa's Score Turbo. Pretty cool, isn't it?

Because, as we said, each card profile requires a different level of score. So, if you consulted your situation and found that your score is for a credit card that accepts low scores, don't worry!

Because to help you, we've put together some of the best credit card options that approve requests from those with a low credit score. So, read on and choose what works best for you!

A good option for those with low credit card scores is Inter. Because the Inter credit card is international with the Mastercard brand. Therefore, it can be used to make purchases in cash and in installments at thousands of physical and online establishments accredited to the flag inside and outside the country.

Furthermore, it has three variants: Gold, Platinum and Black. It is worth mentioning that when opening the digital account you receive a Gold debit card. After that, it is possible to request and enable the credit function to have a multiple financial product.

So, get to know the advantages of the Inter card in general:

Digio is a very versatile option among the others on our list of Visa-branded cards. Thus, it is one of the financial products in the Brazilian market that seeks to attract a customer profile with lower credit expenses, but who are looking for all the practicality of a card with a digital account.

Thus, the Digio card, in addition to offering a free digital account to users, is also exempt from annual fees, and does not even have a minimum monthly spending limit. In addition, it has the convenience of an application to manage your digital account, which you can download for free on your smartphone.

So, among the good advantages of Digio to be among the best cards with the Visa brand, we can list:

Digio is a good option if you are looking for a digital bank and zero paperwork. That is, your credit card and digital account with all the practicality, benefits and security of the Visa flag!

Neon is one more among the digital banks present in the Brazilian credit card market. The Neon card also attracts customers due to the absence of an annual fee, but the only drawback is that in order to apply for your card you need to have an open digital bank account.

Among the advantages of the Neon card are:

So, Neon is a great option, with a different valuation and that doesn't require a minimum income. In addition, you have a multiple card 2 in 1, with debit and credit function. And all this with all the benefits of the Visa International brand, and a digital account with zero fees to use.

Because you may already know the Magazine Luiza chain of stores, right? Because Magalu realized that it could retain old customers and attract new ones if it invested in facilities in the payment area.

 Thus, following the trend of other similar companies, Magalu also began to invest in the financial market through lines of credit and payments, such as:

And so the exclusive credit card was developed for Magalu customers, with the aim of bringing them advantages and benefits, both when buying in the store and at partner establishments.