C&A credit card: check it out today and get yours. Learn what you need to do to get a C&A commercial card, how to apply for one, track your statement, and the benefits of the C&A, Bradesco Visa, and ELO cards.
credit cards are now common across all retail sectors.
Does it make sense to use one of these instead of a regular card? It's a good idea!
To ensure you're fully informed and make the best decision, this article will cover everything you need to know about one of the most popular options on the market.
The C&A card is a credit card offered by the clothing store of the same name in partnership with Banco Bradesco.
In addition to a series of benefits in department stores and with partners, two different limits are available on a single card: one for withdrawals and one for purchases.
Want to know if this card fits your consumer profile? Read on to find out!
What are the types of C&A Credit Cards and how do they work?
There are currently five types of CeA cards that customers can choose from according to their preference and desired brand:
- International Visa;
- Visa Gold;
- International Link;
- Link Plus;
- Graphite Link.
To apply for one of them, you must prove that a minimum wage applies.
What are the advantages of the C&A credit card?
Regardless of the cardholder's chosen brand, the card offers some benefits common to all customers. These include:
- cards accepted in Brazil and worldwide;
- 10% discount on your first purchase in stores;
- 50% discount on Cinemark tickets and combinations;
- direct withdrawals at stores or at the Banco24Horas network (fee of R$12 for withdrawals in Brazil and R$16 abroad);
- separate limits for withdrawals and purchases;
- Installments in up to 5 interest-free installments and differentiated installments in retail stores (15 installments in physical stores and 10 installments for online purchases);
- Withdrawals with the possibility of payment in up to 24 installments (with interest);
- Bradesco Cards and Bradescard App: possibility of expenses, invoices, limits and tracking payments directly from your cell phone;
- up to two additional cards;
- Pay water, electricity and telephone bills in up to 3 interest-free installments;
- 60 million free WiFi hotspots worldwide (Elo only);
- Insurance and assistance (e.g. against theft);
- Participation in the brand's points program (Visa or Livelo).
- Additionally, CeA stores offer an annual fee waiver. If the customer chooses to use the card only at the branch network, the annual fee will not be charged at the store on the invoice from another store, even if the amount is small. The annual fee will be charged as normal.
It is worth remembering that the Elo Grafite card has other advantages related to the darkness value, such as VIP- Lounges at airports, accumulating more points, among other things..
How can the C&A Credit Card limit be increased?
As with any other credit card, the first limit is set after the analysis that led to the problem.
So, over time and with continued use, this limit tends to increase successively through continuous analysis by the issuing bank.
If the cardholder isn't satisfied with the amount offered, they can still increase their limit directly at CeA branches or by requesting a card from the call center over the phone. In these cases, presenting proof of current income may be helpful.
However, there's no guarantee that the increase will be realized. If you make purchases with your card regularly and pay your bills on time, you may get the increase sooner.
How do I apply for a C&A credit card?
- To apply for the C&A card, the customer must meet the following requirements:
- Be over 18 years old;
- has no credit restrictions for SPC and Serasa;
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- Work for at least 3 months and present proof of income;
- provide original ID and CPF, the CPF must be up to date with the Federal Revenue Service;
- provide proof of residence.
Although the Bradescard website provides all the information about the card, the contract information and applicable fees cannot be requested online.
Is the C&A Credit Card worth it?
The C&A credit card is good and may be worth it depending on the customer's profile.
To draw a conclusion, it is important to consider that it does not offer any distinct advantages over others available on the market today.
Additionally, it offers few unique benefits, mostly based on brand benefits.
The card also has a pension – which is not billed monthly if only purchases at the network's branches are on the account.
For this reason, it's especially worthwhile if you're a CeA customer and can take advantage of a few months off your billing, discounts, and in-store installments.
Finally, to determine if this is the best option for you, we recommend that you continue reading our credit card section and explore all the alternatives.
