Banco Itaú has several partnerships with retailers, and among these partnerships is the Ponto Frio Itaucard 2.0 card; a credit card unlike any other, with excellent installment options and very low annual fees! It's recommended for people looking to make larger purchases, thanks to its excellent installment plans and credit options!
In addition to the options available on any credit card, it also offers several internal cashback programs and discounts of up to 50% on cultural events and other related topics. Learn more about the Ponto Frio Itaucard 2.0 Card and apply for yours now!
What is it?
The Ponto Frio Itaucard 2.0 Card is a Mastercard card with international coverage and consists of a partnership between Itaú bank and the Ponto Frio retail store; it offers several benefits and a points program that allows you to exchange them for numerous prizes;
Although it has an annual fee of R$11.90/month, it offers several benefits that reduce the fees, such as: half-price tickets to shows, theaters, and cinemas; in the next topics, we will highlight some of the main ones;
How to apply?
Interested in the Ponto Frio Itaucard 2.0 Card? Applying for one is simple! Go to Itaú's official website (click here) and fill out the first section with your name, email address, CPF, and cell phone number.
Once this is done, you will go to the second stage, which consists of confirming the data, reading the contract and analyzing the credit;
Because Itaú Card is a more sophisticated card, it is not available to everyone, and they must meet certain requirements, which we will highlight below.
Can anyone apply?
The Ponto Frio 2.0 credit card cannot be requested by just anyone, and those with bad credit are not eligible for this credit card; you must have a clean credit record and a medium/high credit score;
Furthermore, it has an income requirement; in which the card's simplest plan requires at least R$900/month to be accepted; And in addition, it is necessary to go through a credit analysis; in order to ensure the minimum possible default on the part of the customer;
How to increase your credit score?
One of the crucial points during PontoFrio card approval is the customer's credit score, which is sometimes medium/low, making it difficult for new users to obtain credit; therefore, the best way is to increase the score through bank transactions within the account holder's CPF;
Additionally, pay off debts on time and carry out legal transactions frequently within a three-month period to gradually increase your score; according to research, an ideal score ranges from 750-1000.
- Got a bad credit history? Get a BMG credit card for people with bad credit now.
- Best credit cards for those with bad credit: find out more here
Benefits
Itaú is a reference in promoting culture in Brazil, and this is proven once again with the countless benefits of Itaú cards; which through the Mastercard Surpreenda credit program, guarantees 50% on shows and cultural programs;
Not counting the deadline of up to 40 days to make invoice payments; you can consider the best payment day and invoice closing date; getting excellent discounts on Pontofrio card payments, and receiving cashback;
According to the contract, annual fees begin to be charged from the moment the credit card is unlocked, being 12 months of R$10.60 or a fixed installment of R$127.20 equivalent per year;
