Credit Card Without Consultation Do You Want One?
- What is the purpose of consulting the CPF in Serasa or SPC?
- What is the objective of the credit analysis process?
- Credit cards without consultation to SPC or Serasa exist?
- 11 Banks and financiers approving card without consultation
- Card without payroll consultation – who can apply?
- Card without discounted query in current account
- How to use a card that does not ask questions?
- Prepaid card with no credit card – does it have an advantage?
- Prepaid card for everyday shopping use
- Live cash or credit card?
- Unsecured credit card to buy online on the Internet
- Cards without consultation for travel and tourism
- How do I apply for a new credit card?
- Benefits for holders
- Organize finances with cards that do not consult your credit
Credit Card Without Consultation Do You Want One?
Lets suppose that you currently have your CPF included in the credit restriction services and urgently need a card that does not consult , the fact that you get this “money making” plastic every time you shop anywhere in the world, can be hired on the Internet with simple online applications and filling out forms in basic forms on websites.
– The approval of the card does not depend on the consultation of the credit protection agencies, that is, it is without consultation .
Perhaps this is your opportunity to take advantage of the convenience and security of having a credit card . It can be used to create your history, increase your credit score or reorganize your finances, and place order in your monthly budget.
The best known are conventional cards, but there are many prepaid ones spread across the web. They are designed to be an excellent “option for negatives consumers” and “restricted in name.” That is, people who are without credit in the square because of the dirty name stamped as debtor, however, access is free for approval of this type of credit card .
What is the purpose of consulting the CPF in Serasa or SPC?
Verification of the client’s CPF to credit protection agencies is a form of protection and containment of payment risk. Each institution has its own criteria for this procedure, but all stumble in consultation with the SPC and Serasa as an effective means of knowing if the applicant has a restriction on the name or not.
What is the objective of the credit analysis process?
Credit analysis is generally performed to verify the socio-economic profile of the client to direct him to the product most appropriate to his financial condition or reality.
In addition, it serves to ensure that the credit card clearing operation is not a disaster for both sides – the administrator and the customer.
Credit cards without consultation to SPC or Serasa exist?
There are yes! In Brazil some companies risk freeing such cards without inquiries , they can be requested freely and purchased even with the person being with the dirty name. You will see in the next paragraph some of the types of cards currently available.
11 Banks and financiers approving card without consultation
You, I, and everyone know that financial institutions, card operators and cardholders have some procedures to release credit cards to citizens. One is to consult Serasa, Boa Vista and SPC to evaluate CPF financial data and decide whether or not to grant any type of credit product, this includes the cards.
With private credit cards from both management companies and Mastercard , Visa, American Express and others, is no different. The primary procedure is to check a lot of credit information and consumer profile of the requesting customer until the request is released.
Just as the approved loan with restriction has gained more flexibility in recent times, credit cards too, proof of this is that many lenders have created financial solutions that involve credit cards without consultation , check out the list with 10 of them:
- Brazilian Business Card : This card was created for people looking for a credit card that does not consult to approve it, it is without bureaucracy, and easy request for approval to those who are denied. To know more about Brazilian Business see here .
- DayCred credit card : This plastic ” does not carry out annual collection and consultation with SPC / Serasa “. However, to be able to have it in your wallet it is necessary to be a civil servant, retiree or pensioner of the INSS.
- Ibicard Easy card : The application for this card is not necessary nor the proof of income, it is without consultation of verification to the SPC and Serasa. Ibi is one of the financial business segments of C & A stores and Bradesco bank.
- BMG credit card: This card is international but does not charge annuity, nor does it make queries to Serasa and SPC. One of the advantages of this plastic is to be able to order directly through the Internet by the app that is available for iOS and Android .
- Nubank Credit Card : One of the fastest growing cards in Brazil , it is also the most accepted by young people. The card despite being conventional and does not require the holder to have the name completely clean , approves with limits until reasonable. However, to get the Nubank card it is necessary to receive an invitation to only then use the application and make the request.
- Bonsucesso Visa Card : Also not done consultation with the credit protection agencies and does not have the collection of annuity, it is free. Bonsucesso is currently linked to Banco Santander, which in addition to offering Cato Olé Consignado . SuperDigital Card, both can be used internationally.
- Access Card Cards : The AccesoCard International option comes with the MasterCard banner. It can be purchased over the Internet or in person at physical stores. It’s a prepaid card, if you want to build reputation with it, it can be a great alternative.
- PagSeguro Card : PagSeguro credit card allows to make purchases in all Brazilian territory and abroad. It is without annuity, however, to have access to the card, the applicant has to pay $ 12.90 of acquisition fee. The request can be made on the official website.
- Leader Card : Having a Leader Card Visa credit has the advantage of being accepted in all Leader stores and in thousands of commercial establishments affiliated to the VISA Network in Brazil. Like any card, use is free up to the limit for expenses.
- Visa International AliExpress : This card was created for people who like to shop online, it is a Visa-issued credit card, it is international and prepaid. It is loaded in US dollars with the exchange rate set at the time of recharge on the card. You get the physical card that can be used to buy from overseas stores.
- Credit Card Graph Elo : It is a card available to citizens who need to have a card for daily use, however, they can not have the name registered in SPC and Serasa. With the Elo Graphite Card , you make national and international purchases. To know more (Elo ), the Elo Graphite card can be found at Caixa, BB, Bradesco and Pernambucanas.
There are many other credit cards without consultations and many other prepaid ones available are: Payoneer, Paypal, Tim Multibank, Itaú Rechargeable, Alelo, Super Digital, PagCorp among others.
Card without payroll consultation – who can apply?
Some financial institutions, such as Santander and Banco Pan, for example, release credit card types without consulting the SPC and Serasa for use in purchases in Brazil and abroad. In this option, the card is approved as long as the applicant has the free margin for this.
- Card without consultation payroll of Pan bank
- Card without consultation consigned Olé
However, there is a problem, this type of card was created exclusively to meet the needs of public servants, military, retirees and pensioners of the INSS . The release of credit occurs similarly as in the payroll loan, the discount is in the counter-check or benefit.
Card without discounted query in current account
Another possible type of request are the credit cards without consultation linked to a checking account or savings account. In this case we speak of the IbiCard without consultation .
To have one of these, the citizen must necessarily open a savings account with an initial deposit, so that the user can freely use the card without consultation. The credit limit is the same as that deposited in the account.
How to use a card that does not ask questions?
The credit cards without consultation do not distinguish the normal private credit cards obtained in any bank or financial. On the other hand, the exception is when it comes to prepaid cards.
When purchasing a credit card of this modality (prepaid), the way the user purchases and makes the payments are the same as the postpaid cards. The bill payment is also no different – up to 45 days to pay after the purchase is completed.
Prepaid card with no credit card – does it have an advantage?
In the prepaid card there is no consultation, this is true! But the procedure of use and limits are different from the others. When you make your purchases, it does not happen as credit but rather as debt. They are rechargeable, meaning you use when you have credit (available money), if you run out of credit (money), you have to recharge to continue using.
Although it is more like a credit transfer and not like the use of credit with available card itself, this mode has greatly increased its space in the consumer, banking and financial market has exponentially expanded its prepaid platforms in the country.
Because it is easy to acquire, this is perhaps one of the factors that contributed to this fact.
The ways in which prepaid cards can be used without consultation can also add benefits and some day-to-day benefits for the ordinary citizen, especially for people who are restricted in name in credit protection bodies and notary offices.
Prepaid card for everyday shopping use
With the prepaid card you can make purchases on any day or time with more security and convenience than the use of cash.
As we have said, the card without consultation can be acquired even if the applicant has a restriction and dirty name .
The good thing about all this, is that by using the card, the cardholder eliminates the transportation of living money, this certainly avoids the risk of burglaries and other incidents involving money, such as loss and forgetfulness.
Live cash or credit card?
When hiring your credit card without consultation or private, the user no longer has to walk with money up and down in their pockets, just carry the credit card in their pocket or wallet, when they need it, type the password and – you’re done!
The daily use of the cards still allows the exact payment of purchases, that is, without checking the change or wallet with coins in the wallet.
Unsecured credit card to buy online on the Internet
A great advantage of cards without conventional inquiries or prepaid cards is to have the option to shop online over the Internet without bureaucracy even for those with the dirty name.
They are also accepted in tens of thousands of establishments throughout Brazil and worldwide. Of course some advantages will depend on the banner and the type of card to enjoy the practicality offered by the e-commerce sites and stores like Americanas, Submarino, Pontofrio, Casas Bahia, NetShoes, Amaro, Glamor among others, and very easy.
Cards without consultation for travel and tourism
Without prepaid cards and prepaid cards are excellent options to make payments for purchases made during trips abroad, guarantees practicality and safety to the consumer, even with interest, fees and tariffs making purchases a little more expensive.
It is worth mentioning that a card without consultation restrictions in the CPF can also be used in purchases in foreign websites with much flexibility.
How do I apply for a new credit card?
To request a card, be aware of where the site or application redirects, usually has no complications, just access the site and fill in the fields requested in a specific form or register. See some procedures and documents requested, among them.
- Report data from the RG, CNH and CPF
- Confirm address and personal contacts
- Demonstrate your monthly income
Benefits for holders
In this list, we have identified some benefits that make credit card so necessary for many people:
- Pay your purchases and bills online easily
- Hire the card without having to undergo the consultation and verification in SPC / SERASA / SCPC
- No bureaucracy at the time of request
- Valid for national, international and online purchases
- Perfect for controlling finances and managing expenses
- Cash withdrawals at ATMs 24 hours
- Some have 100% digital billing
- Can issue additional cards and virtual cards
Organize finances with cards that do not consult your credit
Do you have the dirty name? If it is, it can be very interesting to apply for a credit card without a negative credit card and use it as a means to keep the accounts organized and up to date.
It is worth noting that most cards that carry money to use them do not have an annuity, however, it is only possible to use it as a debit card. This even facilitates handling by not issuing tickets, and as everyone knows, tickets can be paid late creating more costs for the consumer.
If you want to make a loan without consulting the SPC and Serasa or card even if you are negative , you noticed that today there is no difficulty. Choose yours and enjoy it!