Anyone whose name is included in credit protection registries, 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 record. Banco Inter, however, has released a new card option for customers with bad credit, without any type of credit bureau consultation.
The credit card is a payroll loan and is currently aimed at retirees and pensioners, as well as public servants. Interested? Want to learn more about Banco Inter's card, which also serves those with bad credit or a low credit score? Read on!
Below, we'll tell you everything you need to know about this product, including its exclusive benefits and how to purchase it! Stay tuned!
Taking out a loan can be a good option for those looking to organize their finances. However, obtaining a loan can be detrimental to those with a negative SPC and Serasa credit ratings . This occurs because these institutions perform a credit analysis before granting the requested service.
What are the advantages of the Banco Inter card?
- There are no fees charged;
- Zero annual fee;
- There is no need to consult the SPC or Serasa, which is good for those who have a negative score or a low score;
- The invoice is deducted directly from the payroll of the worker or INSS beneficiary:
- You can withdraw up to 90% of your limit;
- Low interest rates are charged;
- International card.
Loan for those with bad credit from Banco Inter
To apply for a loan made available by Banco Inter without consulting the 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 pensioner of INSS.
Furthermore, the amount available for this type of loan is limited to R$5,000 per customer. However, Inter is committed to offering the service quickly and without the bureaucracy of other banks on the market.
How to apply for the loan
To request a loan without consulting SPC and Serasa, you will need to fill out the form available on the Banco Inter website , or contact the financial institution by calling 3003 4070 or 0800 940 0007.
However, even with partnerships between the bank and companies, the loan request will undergo an internal review by the bank. If approved, a contract will be sent to the customer. The customer will then be required to sign the contract and submit the selected documents. After completing these steps, the credit will be made available directly to the customer's checking account.
