Those whose names are included in credit protection databases, such as SPC or Serasa, may have difficulty obtaining credit in the market, right?
Furthermore, financial institutions require a good credit score and a clean credit history. Banco Inter, however, has released a new credit card option for customers with negative credit history, without any consultation with credit bureaus.
The credit card is a payroll-deducted loan and is currently aimed at retirees and pensioners, as well as public employees. Interested? Want to know more about the Banco Inter card, which also caters to those with a negative credit history or low credit score? Keep reading!
Next, you'll find everything you need to know about this product, its unique advantages, and how to purchase it! Stay with us!
Taking out a loan can be a good option for those looking to organize their finances. However, obtaining this service can be difficult for those with a negative credit history ( SPC and Serasa ). This is because institutions conduct a credit analysis before approving the requested service.
What are the advantages of the Banco Inter card?
- There are no fees charged;
- Zero annual fee;
- There is no consultation of any kind with SPC or Serasa, which is good for those who are in debt or have a low credit score;
- The bill is deducted directly from the employee's or INSS beneficiary's payroll
- You can withdraw up to 90% of your limit;
- Low interest rates are charged;
- International card.
Loan for those with a negative credit history from Banco Inter
To apply for a loan offered by Banco Inter without a credit check (SPC and Serasa), the consumer must fall into one of the following categories:
- Public Servant;
- Employee with a formal employment contract from private companies affiliated with Banco Inter;
- Retired and pensioned INSS beneficiaries.
Furthermore, the amount released in this type of loan is limited to R$ 5,000 per client. However, Inter is committed to offering the service quickly and without as much bureaucracy as other banks available on the market.
How to apply for the loan
To apply for the loan without a credit check (SPC and Serasa), you will need to fill out the form available on the Banco Inter website , or contact the financial institution by phone at 3003 4070 or 0800 940 0007.
However, even with partnerships between the bank and companies, the loan application will undergo an internal bank review. If approved, a contract will be sent to the client. The client will then need to sign the contract and submit the selected documents. After these steps are completed, the credit will be deposited directly into the client's checking account.