Credit card has been a facilitator for people, allowing for piecemeal purchases and increasing purchasing power. However, the object that help, can turn a bomb into the hand of those who do not know how to use it correctly. Who does not know someone who was afraid of the credit card bill? Or did you have any questions about your credit card limit?
A lot of people think, for example, that credit card excludes any kind of use of money, and starts using it anywhere to buy anything. However, even if it seems obvious, everything that is being spent … must be paid in some way! No, your credit card is not that magical.
Some examples of credit card without proof of income? We will list below some examples of credit card without proof of income.
There are some well-known cases in the market of institutions that do not require proof of income when ordering a card. This is the case with HelpSave Bank . For those who do not know, let’s introduce the famous “red” to you.
HelpSave Bank is a 100% digital bank, created in 2013, which came with the proposal to simplify and make more transparent the relationship of people with banks. It is free of fees and bank fees such as the annuity charge. You have complete control of financial transactions by the company’s own smartphone application. The institution offers its customers the Platinum credit card option at no additional cost.
HelpSave Bank offers a credit card with no proof of income. Just enter the site, register your data and make the request of the card. The analysis of your credit and the evaluation of the limit that will be made available to you is made by other tools, without any request for paperwork or extracts.
Savings account linked cards
Another alternative for those who a credit card without proof of income are the credit cards associated with a savings account type .
For this, you should seek a financial institution that offers this type of service. Then, open a savings account, make an initial deposit that will guarantee the release of your order and request your card. Generally, the conditions of these cards are different. An initial survey is worthwhile to better understand the needs and then make the decision.
The Ibi company offers the IbiCard Fácil, which does not need proof of income and does not consult SPC and Serosa. The purchase of the card only depends on a Deposit Bank Certificate (CDB) in the minimum amount of R $ 100. With it, you make purchases in the spot or installment credit up to 10 times.
University Credit Cards
College students earn a “buck” from financial institutions when it comes to acquiring a credit card without proof of income. This is because it is understood that students are beginning to enter the market. As a result, they have not yet built a solid financial situation that can be justified as for others.
If you are a member of this group, when opening a college checking account at a bank, you will probably receive the option to apply for a credit card. This card has the lowest available limit. But this can be gradually adjusted according to the individual responsibility of the account holder. That is, if he pays on time his commitments to the bank, and according to the movement, whether by inclusion of scholarship amounts, allowance or trainee remuneration.
To open a university checking account, it is indispensable to present a registration document in a higher education institution with recognition of the MEC and personal documents such as RG and CPF.
The prepaid credit card is another mode that does not require proof of income, but also works a little differently than other cards. To request no bureaucracy or consultation with SPC and Serosa. That is to say, it is the easiest way to have a card when one has a dirty name in the market.
To understand how these cards work, imagine that your cell phone is prepaid. That is, you make recurring charges to use the services. So with the prepaid credit card it is the same thing. You enter a pre-defined credit amount and use it in your purchases and payments.
But attention, card issuers generally charge extra fees for services such as recharges, withdrawals or bank transfers . Keep an eye on hiring and avoid surprises!
Store Credit Card
Major brands of retail stores, supermarket chain and other activities offer their customers a brand-name credit card .
There are advantages and disadvantages for the consumer who opts for this service and one needs to evaluate well before hiring it. If your buying profile in that store is assiduous, for example, this type of card is worth it to you. This is because many of the advantages are offered to those who demonstrate brand loyalty.
Among the disadvantages, there is the low limit for purchases and, sometimes, the restriction of purchases in other places.