Caixa Bank partnered with Elo to offer a credit card to people with negative credit history.
According to the website, the card has the lowest interest rates in the market.
Because of its ease of use and the much lower risk of default compared to other credit cards, this Caixa card can be made available to people without requiring a credit check with Serasa or SPC.
Even if you have a negative credit history, you can still apply for your card.
But who can have this credit card?
Did you enjoy the article ? Find out how you can order yours below! Continue reading our article and see more details about the card.
This is an exclusive category for payroll-deducted loans; the cardholder will have the installments deducted directly from their paycheck.
This credit category was developed for public servants, INSS pensioners under 75 years of age, and retirees.
If you have a negative credit history and are interested in applying for this card, you will need to go to an agency with your proof of address, benefit statement, ID, and CPF (Brazilian tax identification number).
But what are the advantages of having this credit card for people with a negative credit history?
The advantages for people with negative credit scores are very good, see below:
- No credit check required : Rest assured, even if you have a negative credit history, you can still apply for this Caixa card.
- Zero annual fee : Unlike most credit cards on the market, this Caixa credit card does not require you to pay an annual fee. However, you will need to pay a very small fee of only R$15.00 when you issue your card, which can even be divided into 3 installments on your bill.
- Elo Mania Club : All users of this Caixa credit card for those with negative credit history can access the benefits of the Elo Mania Club, which will give you access to various discounts on products and services.
- Interest rate : Another great feature of this card is the interest rate, which is very low, at 2.85% per month for revolving credit, one of the lowest on the market.
- Home Check-up : The company can provide you with a specialist to perform maintenance on your home, such as water tank cleaning, shelf installation, electrical inspections, and various other services.
How do I pay my Caixa credit card bill?
Payment of your Caixa credit card bill for those with a negative credit history can be automatically deducted from your benefit, but if the deduction hasn't been made, you can pay through the Caixa app, Internet Banking, lottery outlets, and self-service terminals.
Your Caixa credit card bill (for those with a negative credit history) will be sent to the email address you used to register.
Apply for your Caixa credit card for those with a negative credit history above.