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How to apply for a credit card with a limit of 20 thousand?

Having a credit card with a limit of 20,000 is very good for anyone these days. This applies especially to those who make a lot of online purchases or subscribe to streaming platforms, such as Spotify, for example.

Every credit card has a limit and the higher the better for the holder. However, it is very important to pay the bills and above all, have a compatible income.

In this article you will see how to apply for a credit card with a limit of 20 thousand, which bank offers it, how to apply, what are the fees and much more. Keep reading to check it out!

What this article covers:

The rules depend a lot on the credit card issuing institution. But the first thing to think about when you want a limit of 20 thousand, is that your expenses need to match this amount.

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Also remembering that making the payment of the credit card on time is essential so that it is not blocked.

Another important thing is not having pending issues with the SPC and Serasa?? Many banking institutions do the analysis based on the score. The more you pay the bills, the higher your score.

Currently, many banks offer credit cards with a limit of 20 thousand and even higher than this amount. Check what they are:

  • Latam Pass Itaucard Visa Gold;
  • BankPay;
  • Visa Platinum Cashier;
  • Santander Unlimited;
  • Ourocard Elo Nanquim;
  • C6 Bank;
  • InterGold

These are some of the banks that most offer credit cards with a limit of 20 thousand or more.

What are the 20k credit card fees?

Credit card fees with a limit of 20K may vary. So it is essential to pay attention to this part, as some institutions have higher fees and fees than others.

First choose the bank issuing the credit card you want to apply for. Remembering that you should choose the bank that will bring the most benefits to you as a customer and with the lowest fees.

How to apply for a credit card with a limit of 20 thousand

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Check below how to apply for a credit card with a limit of 20 thousand:

  • Download the bank app;
  • Create an account;
  • Choose the credit card option;
  • Apply for your credit card.

The limit value is defined according to the analysis, so if the limit is less than 20 thousand, it is possible to request an increase.

Denied can apply for a credit card of 20 thousand?

This issue depends on the way the bank does the credit analysis and the applicant’s monthly income. Usually institutions do not accept it, but this depends on whether the analysis is done by score or by CPF.

MEI?

For those who are MEI, you can also have a credit card with a limit of 20 thousand. Just create a PJ account and apply. If the limit is less than 20 thousand, it is possible to request an increase, but for this you must use your credit card normally.

Increasing your credit card limit is not difficult, you can use the card normally and pay your bills on time. In this way, the bank will understand that you are a good payer and will increase your limit if requested.

It is important to note that the limit increase depends on the bank, some take a while to accept the limit increase, so this is something that should be considered.

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