A new opportunity for those with negative credit history has just emerged. Caixa Bank has begun a collaboration with Elo, providing a credit card designed for people with negative credit history.

According to the website, this card has the lowest interest rates on the market, which is very attractive for easing your financial burden.

A major advantage of this Caixa card is that it can be issued without needing to go through Serasa or SPC credit checks. This is thanks to its low default rate compared to other cards. The lower interest rate system makes it much easier for customers to keep their accounts up to date without harming themselves.

In other words, even if you have a negative credit history, you don't have to worry. Because now you can apply for your card and enjoy numerous benefits without any approval difficulties.

Who can apply for this credit card?

Are you enjoying the article? Find out how to apply for your credit card right below! Keep reading our tips and discover many more benefits of this card.

This card belongs to an exclusive category focused on payroll-deducted loans. In other words, the cardholder can have their installments deducted directly from their paycheck. This is a great option for those who don't want to risk forgetting to pay and accumulating headaches due to default. 

Initially, this type of loan was created for INSS pensioners and public servants under seventy-five years of age, as well as retirees, due to the benefits and exclusive features offered.

If you happen to have a negative credit history and wish to apply for this card, you will need to go to an agency and bring your proof of address, as well as your benefit statement, ID, and CPF (Brazilian tax identification number). It's simple and practical.

What are the main advantages of having a credit card if you have a negative credit history?

There are numerous advantages for those with negative credit who use this card. See what they are right now:

  • No need to check SPC or Serasa : Being in debt is no longer such a big problem; you can easily apply for this Caixa card.
  • No Annual Fee : One of the great advantages of this card is getting rid of unnecessary expenses! You will be free from the annual fee! But it's worth remembering that you will need to pay a small fee of only R$15.00 when you issue your card. However, this amount will only be paid once and can even be divided into 3 installments.
  • Elo Mania Club : Users of this Caixa credit card for those with negative credit history can enjoy access to the benefits of the Elo Mania Club. It guarantees various discounts and promotions on products and services.
  • Low interest rate : Another major highlight is its very favorable interest rate. It has an interest rate of only 2.85% per month during revolving credit use. This value is one of the best on the market.
  • Home Check-up : The box guarantees you special assistance with specialists to carry out maintenance on your home. The service includes water tank cleaning, shelf installation, and even electrical inspections for your home.

How do I pay my Caixa credit card bill?

Paying your Caixa credit card bill if you have a negative credit history is simple. You can have it automatically deducted from your benefits, but if the deduction doesn't occur, you can pay through the Caixa app, internet banking, or at lottery outlets and self-service terminals. There are multiple options!

Regarding your Caixa credit card bill for those with a negative credit history, rest assured! It will always be sent to the registered email address. This ensures much greater security.

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Get your Caixa credit card for those with a negative credit history right above.