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The card BMG consigned It is great for retirees, pensioners and public servants and the great advantage of this card is that payments are deducted directly from salary or benefits, which generally results in lower interest rates.
This makes the BMG consigned card a safe option for those who are in debt, as it reduces the risk of debt.
Another popular option is the card Santander Free, which is offered by Banco Santander. Even for those who have name restrictions, this card can be an alternative, especially if you already have a relationship with the bank. It offers the advantage of not charging an annual fee, as long as a minimum amount is spent every month.
For those who prefer the facilities of digital banks, the credit card Neon could be a good choice. It is known for being more flexible in approvals, even for those whose name is negative. Neon has the advantage of not charging an annual fee and offering an easy-to-use application to control your expenses.
In addition to these, the prepaid card PagBank It is a good option for those who want to avoid debt. It works like a debit card, but is accepted in places that only accept credit. You only spend what you load on your card, avoiding surprises at the end of the month.
Lastly, the card Zero Credit It can be an option for those who are negative and looking for a card with no annual fee. It is issued by Itaú and, despite being a little more restrictive in terms of approval, it can be a viable option for some negative people.
It's also a good idea to look for cards that help you rebuild your credit. Some cards for negative people are made with this in mind. They start with lower limits, but if you use them correctly and pay your bills on time, it can help improve your financial score.
See if the process card request It's simple and if you meet the requirements. Some cards are easier to get than others, so it's good to find one that won't give you a huge headache just to apply for it.
Always remember: even with a credit card in hand, controlling your expenses is essential. The idea is to use the card as a tool to reorganize yourself financially, and not to increase debt.