Before we talk about the OpaPay Mastercard, which is the objective of our text, we need to introduce you to a reality that many people are unaware of: it is possible for people with bad credit to have a credit card. That's right!

Few people talk about this, but the fact that there are credit cards approved for people with a restricted CPF deserves to be made known to everyone. This is because we are not talking about a product that is good only for this specific audience, but rather one that everyone would benefit from – whether they have a negative credit history or not!

For example, there are several types of credit cards that are different from the conventional ones that always require a name check with SERASA/SPC before being approved. Among them, the consigned card, which is normally intended for INSS retirees and pensioners, as well as public servants, and the prepaid card, which is the case of the OpaPay Mastercard.

In the case of the loan modality, we talk about the subject in our credit card text Ole Consigned. So, if you want to know more about it, we strongly recommend that you read the publication, as the focus here is different!

Let's get to the point: what is a prepaid card? Well, it's much simpler to use than you might think! In fact, it's a rechargeable card, that is, a card that you put money on to use. This way, you use it as a credit card for your purchases, but the amount is immediately deducted as if it were a debit card. Easy, right?

And this is exactly how the OpaPay Mastercard works. Since you only spend what you have, without running the risk of getting into more debt because of your credit card, there are no objections to it being approved for those with restrictions on their CPF.

So, right off the bat, you can see that the OpaPay Mastercard is a great financial product. In addition to its huge advantage of offering greater financial control to its users and being approved for those with bad credit, the card can be purchased by anyone with a regular CPF with the Brazilian Federal Revenue Service. 

In short: the OpaPay Mastercard is a prepaid card linked to the OpaPay digital account. Yes, to have access to this card, which is considered one of the best for those with bad credit, since you won't need to go through a credit check to get it, you need to open an account with the financial institution. But don't worry! Just like the card, the account is approved even for CPFs with bad credit.

By the way, pay attention to some details about your OpaPay Mastercard. Since it is rechargeable, it does not allow you to pay for your purchases in installments, which means you need to have the balance available in your OpaPay account to make the full payment, okay? In addition, there is a monthly card maintenance fee, but the amount charged is so small (R$$ 3) that this does not prevent it from being one of the best prepaid cards on the market.

So, now you know: if you have a bad credit history, open your digital account at OpaPay and request your prepaid credit card! After all, thanks to its goal of delivering a bureaucracy-free application process, the company offers one of the best products on the market for people with a bad credit history.

There's no denying it: the OpaPay Mastercard has several advantages that make it a truly unique product compared to others on the market. As we've already mentioned, in addition to offering greater financial health to its users, even if they have a negative credit history, the credit card requires the opening of a digital account at OpaPay Brasil in order to access it.

“But how come?” – you must be asking yourself. After all, this is yet another bureaucracy that, whether you like it or not, inhibits you from applying for a credit card. Although opening an account is more than justified, since it is through it that you will top up your OpaPay Mastercard, we are, in fact, talking about one of the best financial services available to you.

Let's start with the fact that your OpaPay digital account is free. For this reason, there is nothing stopping you from opening it, since there will be no financial charges for this. Furthermore, with the OpaPay Digital Account, you will have access to online statements, bill payments, transfers to OpaPay accounts, DOC/TED to the main Brazilian banks, issuance of bills to third parties and prepaid cell phone top-ups. In other words, it is 100% complete and offers everything you are looking for in a financial institution.

You're left wanting more, aren't you? Well, we have good news for you: the OpaPay Mastercard has even more advantages and benefits. Keep reading and you'll be surprised by this credit card and understand once and for all why it's one of the best for people with bad credit!