Having a credit card is a dream for many people, but having a SPC/Serasa credit score can delay that goal for months! If that's you, don't worry—check out the best credit card options without an SPC/Serasa credit score!
Credit protection agencies evaluate customers' scores based on their debts, bank transactions, and asset settlements. Therefore, a low score and a bad credit history are very damaging!
In this way, we will look at the best credit card options without consultation, which also evaluate other external factors, including the bank score;
What is score?
The bank score is a credit assessment that ranges from 0 to 1000 points; which corresponds to the score/chance of a customer paying their bills within a period of 01 year; It is one of the crucial factors when analyzing credit for credit cards, financing or bank loans;
So, if you have a bad credit history and need a credit card without a credit check, having a good credit score is the first step; with a low score, the chances are almost zero!
How to increase your score?
If you have a low score and want to improve it, you must complete certain tasks over a period of time to successfully complete the assessment. These tasks include basic tasks such as paying off debts, using your CPF (Brazilian Individual Taxpayer Registry) through purchases and issuing invoices, and finally, carrying out financial transactions using the CPF (Brazilian Individual Taxpayer Registry) of the holder.
Although there is nothing official about increasing the score, the above factors are the most used by experts during these analyses; on average, after 3 months of carrying out these activities, the credit limit is approved;
Now that we understand how credit analysis works, let's look at the main no-check credit cards that exempt customers from having their credit history up to date with credit protection agencies;
Simple box
This no-check credit card is more focused on older customers; up to 75 years old who need to make purchases more conveniently and within interest rates well below market standards;
The simple cash register is focused on INSS retirees and pensioners; it is accepted not only in Brazil but also abroad and carries the Elo card brand;
Furthermore, the Caixa Simples credit card bill without consultation is deducted directly from the retiree's payroll, not to mention that the customer is exempt from annual fees;
Pan Card
The Pan card is available to those with bad credit, and does not require any consultation with SPC/Serasa, and even offers the option of bank withdrawals, in the style of a debit card;
It can even be requested online and is ideal for public servants and INSS retirees/pensioners; it offers payment order and bank account credit options;
Its advantage is its limit of up to twice the retiree's salary, not to mention the interest rates that are 4 times lower than those of conventional ones;
Olé Card
Although the Olé card is available without a credit analysis, depending on the model, additional analysis may be required from credit agencies; Its brand is VISA and allows for online application, making it excellent for public servants and retirees;
It is accepted throughout Brazil and allows card withdrawals at any bank 24 hours a day.
Conclusion
All the cards mentioned above are within the no-check credit card class and can be requested by anyone, however, they are focused on INSS employees and pensioners; but they can be requested by anyone!
