Your score is low but you need credit in the market? So we have some options for you, keep reading.
Due to the thousands of options in the financial market that make competition fierce, some financial institutions have decided to make their credit granting criteria more flexible in order to retain many more customers. If you have a low score, know that you can now have a credit card with a high limit.
Credit options for those with low scores arrived precisely to help consumers build their reputation in the credit market, and mainly to increase the chances of these same consumers of obtaining more limit and card options in the long term.
These credit cards give limits for those with a low score
Having a low score does not necessarily mean that your name is dirty, but rather that there are few financial transactions in it. To find out how your score is going and understand the reputation of your CPF, we recommend that you create a login on the official Serasa website and use your personal information to log in.
On the Serasa website you can see your score, active debts on your CPF and even receive offers for negotiation that can be facilitating and will help you clear your name, if it is dirty. Through the Serasa website, you understand your financial health and can monitor each step your score takes.
So if you have a low score, know that there you can also understand what financial actions you should take to increase your score and have greater chances of credit in the market. See below some credit cards that offer limits for those who don't have a high score and request yours today.
Santander SX
One of the best-known options on the market for those who do not yet have a high score and a long credit history is Santander SX. In addition to offering a quick and intuitive request form, you receive a response quickly and can start using your new card as soon as possible.
In addition to the credit card, Santander offers you a current account, and the more you use your card, the greater the chances of your limit doubling or tripling in value. Use your SX card frequently and your current account and see how quickly your credit history will build.
Banco Inter
Among the best options for those with a low score is Banco Inter, one of the most developed banks today. When requesting a credit card from Banco Inter you have facilities in the palm of your hand, limits that will certainly increase and excellent service.
Banco Inter offers quick approval, and you can be worry-free, as you can also enjoy the other benefits that the current account + credit card offer to its customers. Little by little your score will rise and you will be able to access better credit opportunities.
Pan Bank
Banco Pan is one of the virtual banks that offer the best credit possibilities for those who are having their first credit card now, or even for those who have a low CPF score and cannot obtain high limits on the market. With the Banco Pan card your problems are over.
You will have in your possession a credit card full of features and benefits, developing a long-term partnership with a serious bank that aims to provide the best financial options for its customers. Build a solid relationship with Banco Pan and see your score gradually increase.
Sugar Loaf Card
One of the best credit cards in its category, especially for those who are already customers of the chain and usually frequent supermarkets. The Pão de Açúcar credit card approves people who have a low score and also offers significant discounts if you buy from the supermarket chain.
Even though it's a credit card from a physical store, you can request, use and monitor it completely online, not to mention how easy it is to make your request. Download the app and fill out the form, which can be answered within a few hours by the finance company.
If you have a low score, it's your turn
The cards on our list are those that have the most positive feedback from customers, and that actually make it easier for consumers who have a low CPF score to apply. It is important that before requesting you see the advantages of each one and choose the one that best meets your expectations.
Applying for a credit card is quick and easy, you just need to download the application and fill out a form with your personal information. You usually receive a response on the same day and your card is generated and sent to your address. Ready to apply for your credit card now?
Common questions:
What is a low credit score?
A low credit score is a numerical score that indicates an individual's reliability in paying their debts. This is generally a score below 600, although this can vary depending on the scoring model used.
What are the common causes of a low credit score?
There are several reasons that can lead to a low credit score, including irregular or late payment history, high debt balance relative to available credit limit, lack of credit history, accounts in collections, bankruptcy or failure to pay previous loans .
How does a low credit score affect people?
A low credit score can negatively affect people in several ways. This can make it harder to get approved for new loans, result in higher interest rates, limit housing options, make it harder to get a job that requires a credit check, and even influence the decisions of insurance companies.
Is it possible to improve a low credit score?
Yes, it is possible to improve a low credit score. Some ways to do this include making timely payments, reducing your debt balance, keeping old accounts open, avoiding opening new unnecessary credit accounts, and regularly reviewing your credit report to correct any errors.
How long does it take to improve a low credit score?
The time it takes to improve a low credit score can vary depending on the severity of the situation and the steps taken to improve it. It can often take several months to a few years to see significant improvements, especially if there is a history of serious credit problems such as bankruptcy. However, taking consistent positive steps can help speed up the recovery process.
