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Neon credit card for negative credit: is it possible?

Are you negative and need a credit card? Get to know the Neon credit card and find out how simple it is to apply for one.

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Learn how to apply for your Neon card even if it is negative

Com o Neon você pode! Tenha acesso a conta digital e cartão de crédito totalmente gratuitos. Fonte: Neon.
With Neon you can! Get access to a totally free digital account and credit card. Source: Neon.

In today's post, Mister Panda will show you if it is possible to apply for the Neon credit card for bad debts. In this sense, the first information to be given is that the negatives can apply for the card. However, it is not 100% sure that they will be approved. 

Therefore, it is essential to use the most practical means to maximize the chances of approval. Therefore, we will talk about exactly that here. That is, it will be shown how to use the score in your favor to apply for the card. 

The score is the score that defines our financial profile before credit agencies, banks and other financial institutions throughout Brazil. Therefore, it is essential to take the necessary actions to increase our score and create a financial history that Neon considers positive to grant credit card approval.

So, that's why we've prepared didactic content that will explain how to increase your score and have a better chance of approval on the Neon card. Check out!

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Credit card

Neon

International Visa

ZERO annual fee, international coverage, exclusive app, Visa benefits.

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Is it possible to apply for the Neon card even if it is negative?

Afinal, é possível solicitar cartão estando negativado? Fonte: Adobe Stock.
After all, is it possible to apply for a card being negative? Source: Adobe Stock.

First, it is common for both physical and digital banks not to provide any credit service, such as cards and loans, to people who are negative.

From now on, it is important to know that these non-approvals serve mainly to prevent malicious people from applying for credit services. In this way, protecting the bank.

Because of this, people who are negative find it so difficult to access a credit card with good functions and benefits to use on a daily basis. However, Neon is not like that.

Neon credit card for negatives is a reality in today's market. However, Neon continues to have methods of protecting itself and preventing people who cannot pay or who do not intend to do so from applying for a credit card.

Therefore, even if negative, what counts for Neon is the score. That is, your intention to resume your financial life in blue. In this way, as the customer negotiates his debts and increases the score, his chances of having a Neon credit card for negatives are also greater.

However, the negative ones also have possibilities of being disapproved in the request. In fact, the chances of disapproval are even greater.

Despite this, there are ways to increase the chances of negative applicants being approved when applying for the Neon card. These methods that, by the way, anyone can use, we will show you here.

So come with us to follow the ways to be approved in your Neon card application!

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How to be approved for the Neon credit card?

Entenda como possuir um bom score irá te ajudar na aprovação do seu cartão de crédito, mesmo estando com o nome negativado. Fonte: Adobe Stock.
Understand how having a good score will help you get your credit card approved, even if your name is negative. Source: Adobe Stock.

Approval of requests by negatives is based on the score they have and their financial history. That is, if we work well with the score, we can greatly increase the chances of receiving approval from Neon.

See the current score table:

  • 0 to 300: Bad;
  • 301 to 500: Regular;
  • 501 to 700: Good;
  • 701 to 1000: Very good.

Therefore, we can follow that our score goes from 0 to 1000. In other words, from bad to very good. In this sense, it is possible to state that this score directly interferes with our chances of approval in any service, including the Neon card.

Therefore, we must increase our score so that it is good enough for the bank to approve our request. That is, Neon often approves credit cards for negatives who have a good score.

But how to increase this score? So it's quite simple. Look:

  • Pay bills on time;
  • Do not delay in paying bills, loans, etc.;
  • Avoid making big debts;
  • Negotiate outstanding debts and always pay on time;
  • Move money.

So, as we can see, good habits with our money can make our score go up. In short, this is nothing more than proving to the credit authorities that we are good consumers.

In this way, while we are doing these actions, our credit history will improve and become favorable. Consequently, the score will rise to the point of getting a Neon credit card even if it is negative.

Did you like the information? Now check out our recommended content and see how simple it is to apply for your Neon credit card.

How to Apply for a Neon Credit Card

With the Neon card, you have access to a digital card, international coverage and ZERO maintenance fee. Find out how to apply here.

About the author  /  Marina Poncio

Graduated in Financial Management from UNOPAR. Acted as manager of large multinational companies. He is currently dedicated to editing, planning and producing content for the web specializing in economics and finance.

Reviewed by  /  Junior Aguiar

Senior Editor

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