Stay with us until the end of the post and learn all about the Submarino Credit Card and see how to get your easy credit today.
online store consumers looking for better payment solutions and exclusive discounts on the platform.
It can be used in any store that accepts Visa, in the case of new customers of this payment method, or Mastercard for consumers who requested the solution before 2017.
If you want to know all the details about the Submarino card, check out this guide to answer all your questions about this incredible line of credit.
Submarino Credit Card: Why use it?
The Submarino credit card is linked to one of the largest e-commerce sales platforms, offering exclusive discounts and promotions on products from a range of online stores, including school supplies and bedding, tableware, and bath products.
Additionally, the payment method includes the “Miles Program,” an exclusive Submarino card method that helps customers accumulate miles.
Through it, you earn points that can be exchanged for products available on the website.
How can I get a Submarino card?
Requesting a Submarino card is usually quite simple.
Just click on this link and you will be automatically redirected to a form that needs to be completed in sequence.
However, there are some restrictions to obtaining a Submarino card, such as:
- Over 18 years of age;
- The minimum income is equal to a minimum wage;
- Identification, such as CPF and RG or CNH.
It is also important to note that even if all these details are provided, the process does not imply immediate approval of the card.
How does the credit analysis work when applying for the Submarino Card?
The company Submarino Finance Promotora de Crédito, in collaboration with B2W Companhia Digital and Banco Cetelem Brasil, carries out the credit analysis of applications related to the virtual business
In this way, the analysis is carried out by a computerized system that guarantees security and flexibility in processing customer information.
The parameters of the credit analysis are not disclosed, but it is possible that the following steps will be carried out:
- Analysis of your score and positive record with Serasa;
- Your profile with Boa Vista SCPC;
- Your relationship with the group's partner financial institutions.
What are the Submarino credit card fees?
Although applying for a credit card is free, you will face certain charges if you have a Submarino credit card.
To help you better understand the issue, we've selected some of the main fees that were charged before this scenario.
Fees and charges:
Annual fee: can be charged in 6 installments of R$31.40 or in 12 installments of R$15.70;
Use of service channels to withdraw money: single payment of R$13.90 or R$22.00 in installments;
Presentation of 2nd copy of credit card: R$ 20.00;
Revolving interest rate: Maximum 18.39%;
Personal Loan Interest Rate: Up to 15.99% pm
However, if you want to see the complete list of all fees and charges charged by the Submarino card.
Card advantages
With a strong focus on Submarino website customers, the card offers several benefits to its appeal on the digital platform.
Therefore, we highlight the main advantages of requesting your card, such as:
- The rewards program for products within Submarino e-commerce;
- Super Limit: additional limit higher than that indicated on your card, exclusively for Submarino installment purchases;
- Installments up to 12x interest-free or up to 21x with interest at Submarino;
- Cash withdrawals from the Banco24Horas network;
- Deposit into your checking account via WebSaque;
- Payment of invoices and consultation of invoices via Internet Banking;
- Exclusive daily discounts at Submarino.
Is there a pre-approved limit for the Submarino credit card?
Very often, the official websites of financial institutions do not list pre-approved limits, although they often exist.
In the case of the Submarino card, the institution's website belongs to Banco Cetelem.
In this sense, the institution clarifies that the limits normally vary depending on the credit analyses carried out.
However, user limits may change over time depending on the payment method used.
How do I check and pay my card bill?
Accessing your Submarino card statement is very easy. It's sent monthly by email a few days before the due date and can also be accessed in the customer area.
Payment can be made via Internet banking using the invoice code, at lottery outlets and bank branches.
Is the Submarino credit card worth it?
Customers who make frequent purchases on the Submarino platform can certainly find more benefits by using the company's credit card.
This is because they can benefit from more discounts, promotions, and exclusive payment terms.
However, for users who don't have the habit of shopping on the site all the time, this may not be the best option.
Therefore, it is important to consider all the points presented in this content so that a more definitive decision can be made.
