{"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\/fr\/qual-score-minimo-cartao-de-credito\/","title":{"rendered":"Qual o score m\u00ednimo para cart\u00e3o de cr\u00e9dito?"},"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>Descubra tudo o que n\u00e3o te contaram sobre o score para cart\u00e3o de cr\u00e9dito<\/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\" >\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.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Qual score m\u00ednimo para ser aprovado em uma solicita\u00e7\u00e3o de cart\u00e3o de cr\u00e9dito?<strong> <\/strong>J\u00e1 parou para saber se o seu score est\u00e1 realmente bom? Essas s\u00e3o d\u00favidas frequentes de pessoas que buscam por produtos financeiros.  especialmente quando n\u00e3o conseguem aprova\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, vamos primeiro esclarecer brevemente o que \u00e9 score. Assim, o score \u00e9 um assunto muito falado entre os consumidores em geral. Ele se refere a uma pontua\u00e7\u00e3o que indica perante os \u00f3rg\u00e3os de cr\u00e9dito se o consumidor \u00e9 um bom pagador ou n\u00e3o. Neste sentido, ter um bom score poder\u00e1 auxiliar aquelas pessoas que buscam por um bom cart\u00e3o de cr\u00e9dito, com limites mais altos, melhores benef\u00edcios e, inclusive, outras oportunidades de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por isso, preparamos este conte\u00fado completo com a pretens\u00e3o de tirar todas as d\u00favidas sobre o assunto. Mostraremos o que \u00e9 considerado um score ruim, ou seja, aquele que mostra para os \u00f3rg\u00e3os de cr\u00e9dito que estamos inadimplentes. Al\u00e9m disso, apresentaremos o que vem a ser um bom score, que lhe trar\u00e1 boas chances de cr\u00e9dito. Vamos l\u00e1!<\/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>Qual \u00e9 um score bom?<\/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\" >A pontua\u00e7\u00e3o score varia de 0 a 1000 pontos. Entenda qual o score ideal! Fonte: 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>Muitas pessoas t\u00eam d\u00favida sobre esse assunto e vivem perguntando sobre a qualidade do score e como saber se est\u00e1 bom ou n\u00e3o, al\u00e9m de qual \u00e9 um score realmente bom para cart\u00f5es, empr\u00e9stimos e outros servi\u00e7os de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No entanto, essa \u00e9 uma d\u00favida bastante simples de ser respondida. Para quem n\u00e3o sabe, o score \u00e9 a pontua\u00e7\u00e3o de cr\u00e9dito levada como base para aprova\u00e7\u00e3o em diversos servi\u00e7os de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por exemplo, para quem busca solicitar um cart\u00e3o de cr\u00e9dito precisa ter uma determinada quantidade de score n\u00e3o apenas para ser aprovado, mas tamb\u00e9m conseguir um produto com bons benef\u00edcios. Mas qual o score m\u00ednimo para cart\u00e3o de cr\u00e9dito? Iremos falar sobre isso mais a frente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No entanto, \u00e9 preciso ter entendimento que a pontua\u00e7\u00e3o score varia de 0 a 1000 pontos. Sendo: :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>0 a 300: Ruim;<\/li><li>301 a 500: Regular;<\/li><li>501 a 700: Bom;<\/li><li>701 a 1000: Muito bom.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essa tabela de pontua\u00e7\u00e3o \u00e9 usada para determinar se um score est\u00e1 baixo ou n\u00e3o dentro dos \u00f3rg\u00e3os de cr\u00e9dito. Assim, podemos acompanhar que 501 a 700 pontos \u00e9 um score bom. Ou seja, \u00e9 uma pontua\u00e7\u00e3o fixa que faz com que os \u00f3rg\u00e3os de cr\u00e9dito enxerguem voc\u00ea como um bom consumidor dentro do mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vale mencionar aqui que o seu score pode variar dependendo das a\u00e7\u00f5es que voc\u00ea realiza, como compras, d\u00edvidas, negocia\u00e7\u00f5es e pagamentos. Desta forma, seus pontos poder\u00e3o diminuir, mas tamb\u00e9m aumentar. Portanto, \u00e9 importante aprender a saber se o seu score de cr\u00e9dito \u00e9 bom, qual o score ideal e como fazer para melhorar sua pontua\u00e7\u00e3o.<\/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\/fr\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Como funciona o Serasa Score\">\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\/fr\/descubra-como-funciona-o-serasa-score\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Como funciona o Serasa Score\">\n            Como funciona o Serasa 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            Descubra como funciona o Serasa Score e como fazer para ter um bom score para cr\u00e9dito.         <\/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\/fr\/descubra-como-funciona-o-serasa-score\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <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? 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Como, por exemplo, em casos de atrasos de pagamento, com certeza ir\u00e1 gerar uma queda na pontua\u00e7\u00e3o do score. Diferente de compras \u00e0 vista, que mostram a sua parte boa de consumidor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enfim, tudo isso vai gerar uma pontua\u00e7\u00e3o vari\u00e1vel. Mas como saber se meu score est\u00e1 bom para solicitar servi\u00e7os em geral? Simples! Basta utilizar a tabela que mostramos no in\u00edcio deste post.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, o score considerado bom inicia nos 501 pontos. No entanto, esse n\u00famero n\u00e3o \u00e9 necessariamente bom, pois como dissemos, a pontua\u00e7\u00e3o pode variar. Ent\u00e3o, entenda que 501 \u00e9 um score bom, mas 500 j\u00e1 passa a ser uma pontua\u00e7\u00e3o regular. Nesse sentido, a dist\u00e2ncia de um para o outro \u00e9 muito pequena e qualquer movimenta\u00e7\u00e3o pode alterar os seus pontos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, \u00e9 importante ter uma margem de pontos para garantir que seu score esteja realmente bom. De acordo com as pesquisas realizadas, um score que fica entre 630 a 650 \u00e9 uma pontua\u00e7\u00e3o ideal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, os seus pontos ficam dentro do crit\u00e9rio para bom, e sofrendo uma varia\u00e7\u00e3o para baixo, ele vai continuar sendo um bom score. E se variar para cima, temos a chance de atingir um score \u00f3timo!<\/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>Quantos pontos de score para ter cr\u00e9dito aprovado?<\/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\" >Afinal, qual score ideal para ser aprovado no cart\u00e3o de cr\u00e9dito? Fonte: 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>Mas, existe uma quantidade m\u00ednima de pontos para poder solicitar um cart\u00e3o de cr\u00e9dito? N\u00e3o! No entanto, quanto mais baixo o score, menor \u00e9 a chance de aprova\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Siga o racioc\u00ednio! Vemos no mercado muitas empresas que oferecem cart\u00e3o de cr\u00e9dito para negativados. No entanto, essas pessoas quando solicitam um cart\u00e3o n\u00e3o conseguem aprova\u00e7\u00e3o. Portanto, isso se d\u00e1 muitas vezes por n\u00e3o possu\u00edrem um bom score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Desta forma, mesmo estando negativados devemos procurar solu\u00e7\u00f5es para negociar as d\u00edvidas e, assim, conseguirmos melhorar a pontua\u00e7\u00e3o do score. Ou seja, a partir do momento que negociamos as d\u00edvidas e pagamos essa negocia\u00e7\u00e3o em dia, sua pontua\u00e7\u00e3o ir\u00e1 aumentar. Desta forma, os \u00f3rg\u00e3os de cr\u00e9dito entender\u00e3o que mesmo sendo inadimplente, voc\u00ea \u00e9 uma pessoa que busca solu\u00e7\u00f5es para pagar as d\u00edvidas.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, um bom score receber\u00e1 aprova\u00e7\u00e3o. Nesse sentido, devemos usar a mesma l\u00f3gica do t\u00f3pico anterior, a nossa pontua\u00e7\u00e3o deve girar em torno de 630 a 650 ou mais e, seguindo o racioc\u00ednio indicado voc\u00ea conseguir\u00e1 atingir esta pontua\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com essa pontua\u00e7\u00e3o, al\u00e9m de ser bom, diminuir\u00e1 muito a chance de reprova\u00e7\u00e3o durante qualquer solicita\u00e7\u00e3o, pois as institui\u00e7\u00f5es financeiras olhar\u00e3o para o nosso perfil financeiro e n\u00e3o enxergar\u00e3o inadimpl\u00eancia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Portanto, agora que j\u00e1 sabemos qual o score m\u00ednimo para cart\u00e3o de cr\u00e9dito, podemos aumentar nossa pontua\u00e7\u00e3o e solicitar o nosso cart\u00e3o agora mesmo! No entanto, se ainda lhe restam d\u00favidas veja nosso conte\u00fado recomendado sobre como aumentar seu score de cr\u00e9dito. Coloque em pr\u00e1tica todas as nossas dicas e retome sua vida de cr\u00e9dito.<\/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\/fr\/como-aumentar-seu-score-de-credito\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment augmenter votre pointage de cr\u00e9dit\">\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\/fr\/como-aumentar-seu-score-de-credito\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment augmenter votre pointage de cr\u00e9dit\">\n            Comment augmenter votre pointage de cr\u00e9dit        <\/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            Entenda como aumentar seu score de cr\u00e9dito com todas as dicas que separamos neste conte\u00fado. 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