Currently, one of the tools that people are most looking for to be able to consume in different ways is the credit card. Because it is increasingly becoming impossible to acquire a series of services and benefits without having a credit card.

But it may be that you are still in doubt whether or not it is worth applying for a credit card to call your own. And this can happen for several reasons, from not fully understanding how this type of card works, to the fear of getting into debt through it.

Therefore, we have gathered in this article everything you need to know to help you understand the possible advantages and disadvantages of a credit card. So, if you are full of doubts about this subject, stay with us and check out what we have for you, below!

In our world fully immersed in technology and digital, having a credit card can open doors to some online services that you might otherwise not be able to access. But not only that, since there are other good advantages that having a credit card can bring you.

So, we list some of the main ones. Check it out below.

As we said, in our world that is increasingly investing in digital, having a credit card can make shopping a lot easier. Because you can use your credit card both in physical stores and in virtual stores.

Thus, the card becomes a practical and easy way to make your purchases, just enter a password or bring the card to the machine. In addition, the purchase and approval of your payment will occur instantly. 

This is an advantage over options such as bank slips and some types of bank transfers, which can take more than 1 business day.

Another good benefit of having a credit card is the possibility of buying in installments and paying in installments without interest. Thus, many people manage to have access to products and services that they would not be able to pay in cash, which facilitates the purchase.

However, care must be taken to use installment purchases well. Because if your financial life is very disorganized, you may lose control of all open installments. 

But yes, installment purchases are still an excellent advantage, especially when it is possible to pay in installments without interest. So take this into account.

In addition to the normal features of a credit card for your purchases, it is interesting to consider the existence of benefit programs in many of them. 

For example, the credit card can give you access to cashback programs, accumulation of points and miles, etc. And we're not just talking about the card's own loyalty programs here, but also those that the card brand offers.

For example, most cards will work with the Visa or Mastercard brand, which have a number of benefits for their customers. Those who register all their brand cards will have access to programs such as Mastercard Surpreenda and Vai de Visa, accumulating discounts and advantages.

Yeah, a card can make your security a lot easier. And that's because you will no longer need to walk around with cash in your wallet. In addition, the financial institutions responsible for the cards have ways of guaranteeing the safety of you and your money, even if the card is stolen or used by someone else.

Since you can always call the company that administers your card and ask for cancellation, blocking, etc. In addition, in cases of card cloning and misappropriation, the financial institution has policies to reimburse the customer for the amount lost.

Very interesting and practical, isn't it?

We know that we may be subject to unexpected expenses, often emergencies such as surgeries, health expenses, accidents with your possessions, etc. And at that moment, being able to count on the credit card option to pay emergency expenses can make all the difference. 

Did you just see how many interesting advantages the simple fact of having a credit card can bring you? But for you to be able to decide the best way, we have gathered below some of the possible disadvantages for you to consider as well.

So let's understand what are the main disadvantages that the credit card can bring you?

Shopping with your card can be easy and convenient, but if you end up losing control of your finances, the bill at the end of the month could be greater than your ability to pay for it. 

Thus, you end up being indebted and falling into the revolving interest rate, which is very high. Therefore, the greater your card debt, and the greater the installments to pay this debt, the greater it will become. It's a snowball that only grows.

Therefore, you need to consider this risk.

They are the famous impulse purchases, or superfluous. That is, expenses that are not essential and that can seriously harm you, even leading to debt if you are not careful. 

So, consider your income and self-control for purchases of this type before choosing to have a credit card.

Despite being quite safe, with a credit card you are subject to scams and fraud, such as cloning your card. Thus, scammers manage to buy as if they were you, and spend all your limit creating huge debts. 

Of course, the financial institutions that administer the cards have policies in place to protect the customer, with card blocking as well as a process for requesting refunds.

The answer is: it depends! In general, the credit analysis that companies that supply credit cards will do will analyze the credit score of the person who requested the product. However, for negatives it can be almost impossible to get a credit card in the traditional way.

But that doesn't prevent a negative person from having a credit card. Because there are specific types of card for negative ones. And they are prepaid credit cards, like Superdigital, for example. And did you already know this credit card category?

However, the customer must be aware that a prepaid credit card will not allow him to make payments in installments, with the payment of his expenses in installments. And it will also only be possible to spend exactly the amount that the card has in balance.

That is, those who have a prepaid card will need to transfer amounts to the card every month, and only that amount that it contains can be used for payments, purchases, etc. And that can be an excellent advantage for those who are negative.

So, the negative person can access services that only a credit card could offer. But with your prepaid card, you will have a much smaller chance of getting into debt, since it will be impossible for you to spend more than your balance, right?

So yes, a negative person can. But in general it will only be possible to access a prepaid card, as we said. However, it is not just the negative person who can opt for this type of card.

We tell you more about that below. Check out!

As we said, a prepaid credit card can be a good option, especially for negative people. Because they don't require any proof of income or credit analysis.

In addition, they offer a series of advantages and benefits such as:

That is, prepaid credit cards facilitate access to services and products that otherwise the negative person would not have access to. However, even if you are not in this situation, it may be interesting to opt for a prepaid credit card.

But in what situations? Well, there may be situations where you don't want to have all the expenses and disadvantages that a regular credit card can bring you. And they are:

Because if you're thinking it's time for your son or daughter to have a credit card, it might be a good idea to opt for a prepaid one. Since most of these types of cards offer the option of controlling the statement, balance and financial transactions directly through the application.

Thus, you can transfer the amount you want to the balance of the prepaid card, and you can also check how your children are using the allowance you gave them. Very interesting, isn't it? So think about it when you start your kids on responsibilities.

Because having a prepaid credit card can be a good option even if you are not negative, but still need to save money. And also if one of your goals is to cut expenses. 

Thus, when purchasing a prepaid credit card, you can set a maximum monthly spending target, and you will not be able to go beyond that. So, you'll need to organize yourself well to know how much money you should transfer every month, and how much money you're going to spend so that you don't exceed that amount.

If you're not thinking about opening a bank account, having a prepaid credit card might be exactly the way out you've been looking for. Because most cards of this type do not require a current account linked to it, and many also allow transfer of values without having to have a bank account.

Did you see how having a prepaid credit card is not necessarily something that only negative people seek? Because now you know that it can be useful in several other situations in life.

And so we come to the end of our exclusive article with information to help you decide whether or not you should get a credit card. We hope this makes it easier for you to understand the whole picture of the pros and cons of applying for your own credit card.

In addition, we demonstrate how both the conventional version of the credit card and the prepaid modality can be interesting. And both negative and people in other situations may find it interesting to have a prepaid credit card.

So, now that you know all this valuable information, it's time to weigh the pros and cons before making your decision. So, make a list of what you need right now and what your current financial situation is. This way, it will be easier to understand which types of services, products and facilities will be most advantageous for you.

Also, don't forget to research well for all types of credit cards that exist in the Brazilian market. Because there are several options, which offer different rates, fees, benefit programs and flags. So, keep all this in mind when deciding on a credit card to call your own.

And most importantly, find out if your current budget supports the potential expenses and debt risks that a credit card can end up bringing to your financial life. Because you can never be too careful, avoiding high-risk debts and even over-indebtedness with revolving credit cards, with very high interest rates.

Now, it's time to reflect on all that we've told you, and decide whether or not you want a credit card.