{"id":50738,"date":"2022-02-17T23:01:00","date_gmt":"2022-02-17T23:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=50738"},"modified":"2022-02-26T20:15:56","modified_gmt":"2022-02-26T20:15:56","slug":"qual-score-minimo-cartao-de-credito","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/qual-score-minimo-cartao-de-credito\/","title":{"rendered":"What is the minimum credit card score?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Find out everything they didn&#039;t tell you about your credit card score<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"\u00c9 essencial ter entendimento sobre score de cr\u00e9dito para manter o cadastro positivo perante os \u00f3rg\u00e3os financeiros e conseguir boas vantagens e benef\u00edcios ao contratar produtos financeiros. Fonte: Adobe Stock.\"  id=\"50744\" src=\"https:\/\/cdn.adtechpanda.com\/6e658c87-99c6-4df6-9c52-8db01ce9f99f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >It is essential to have an understanding of credit scores in order to maintain a positive record with financial bodies and to obtain good advantages and benefits when hiring financial products. Source: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>What is the minimum score to be approved in a credit card application?<strong> <\/strong>Have you stopped to see if your score is really good? These are frequently asked questions by people looking for financial products. especially when they don&#039;t get approval.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So let&#039;s first briefly clarify what a score is. Thus, the score is a much talked about subject among consumers in general. It refers to a score that indicates before the credit authorities whether the consumer is a good payer or not. In this sense, having a good score can help those people who are looking for a good credit card, with higher limits, better benefits and even other credit opportunities.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, we have prepared this complete content with the intention of clearing all doubts on the subject. We will show what is considered a bad score, that is, one that shows credit institutions that we are in default. In addition, we will present what a good score is, which will bring you good credit chances. Let&#039;s go!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>What&#039;s a good score?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"A pontua\u00e7\u00e3o score varia de 0 a 1000 pontos. Entenda qual o score ideal! Fonte: Adobe Stock.\"  id=\"50745\" src=\"https:\/\/cdn.adtechpanda.com\/c32b97d2-3250-4112-86e1-385d406d32dc\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >The score ranges from 0 to 1000 points. Understand the ideal score! Source: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Many people have doubts about this subject and are always asking about the quality of the score and how to know if it is good or not, in addition to what is a really good score for cards, loans and other credit services.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>However, this is a pretty simple question to answer. For those who don&#039;t know, the score is the credit score taken as the basis for approval in various credit services.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For example, anyone looking to apply for a credit card needs to have a certain amount of score not only to be approved, but also to get a product with good benefits. But what is the minimum credit card score? We will talk about this further on.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>However, you must understand that the score ranges from 0 to 1000 points. Being: :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>0 to 300: Bad;<\/li><li>301 to 500: Regular;<\/li><li>501 to 700: Good;<\/li><li>701 to 1000: Very good.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This score table is used to determine whether or not a score is low within the credit bureaus. Thus, we can follow that 501 to 700 points is a good score. That is, it is a fixed score that makes the credit authorities see you as a good consumer within the market.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>It is worth mentioning here that your score may vary depending on the actions you take, such as purchases, debts, negotiations and payments. In this way, your points will be able to decrease, but also increase. Therefore, it is important to learn to know if your credit score is good, what is the ideal score and how to improve your score.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZieCTc\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How Serasa Score works\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/214db7b1-a0c0-4555-972b-8f7aa924da50\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/descubra-como-funciona-o-serasa-score\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How Serasa Score works\">\n            How Serasa Score works        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Find out how Serasa Score works and how to get a good credit score.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/en\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/en\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/214db7b1-a0c0-4555-972b-8f7aa924da50\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                How Serasa Score works              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>How do I know if my credit score is good?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, understand that the score will change according to the actions you carry out financially, that is, when we make purchases, payments, loans, use credit and other actions, there is a change in the score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But of course, as stated earlier, it can be a positive or negative change. As, for example, in cases of late payment, it will certainly generate a drop in the score. Different from cash purchases, which show your good part as a consumer.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Anyway, all this will generate a variable score. But how do I know if my score is good for requesting services in general? Simple! Just use the table shown at the beginning of this post.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, the score considered good starts at 501 points. However, this number is not necessarily good, since as we said, the score can vary. So, understand that 501 is a good score, but 500 becomes a regular score. In this sense, the distance from one to the other is very small and any movement can change your points.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, it is important to have a margin of points to ensure that your score is really good. According to research carried out, a score between 630 and 650 is an ideal score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In this sense, your points are within the criteria for good, and suffering a downward variation, it will continue to be a good score. And if it varies upwards, we have a chance to reach a great score!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>How many score points to have credit approved?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Afinal, qual score ideal para ser aprovado no cart\u00e3o de cr\u00e9dito? Fonte: Adobe Stock.\"  id=\"50746\" src=\"https:\/\/cdn.adtechpanda.com\/bcf8d51a-2680-4d4e-8aa5-5d71cf387163\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >After all, what is the ideal score to get your credit card approved? Source: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>But, is there a minimum amount of points to be able to apply for a credit card? No! However, the lower the score, the lower the chance of approval.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Follow the reasoning! We see many companies in the market that offer credit cards for negatives. However, these people when applying for a card do not get approval. Therefore, this often happens because they do not have a good score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In this way, even if we are negative, we must look for solutions to negotiate debts and, thus, manage to improve the score. That is, from the moment we negotiate the debts and pay this negotiation on time, your score will increase. In this way, credit agencies will understand that even if you are in default, you are a person looking for solutions to pay off debts.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, a good score will receive approval. In this sense, we must use the same logic as in the previous topic, our score must be around 630 to 650 or more and, following the reasoning indicated, you will be able to reach this score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>With this score, in addition to being good, it will greatly reduce the chance of disapproval during any request, as financial institutions will look at our financial profile and will not see default.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, now that we know what the minimum credit card score is, we can increase our score and apply for our card right now! However, if you still have doubts, see our recommended content on how to improve your credit score. Put all our tips into practice and resume your credit life.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1LTwSW\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/como-aumentar-seu-score-de-credito\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How to increase your credit score\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f1e6ea0e-9a27-49c8-abe0-a8b83f14143e\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/como-aumentar-seu-score-de-credito\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How to increase your credit score\">\n            How to increase your credit score        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Understand how to increase your credit score with all the tips that we separate in this content. 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