Many people are looking for a credit card. Find out about Bradesco’s credit card for negatives.
There was a time when a negative person could not apply for a credit card and this was due to protection agencies such as SPC and Serasa. Nowadays things have changed and many banks offer credit cards to negative people.
In this content you will see how the Bradesco credit card for negative credit card works and everything else related to it.
What this article covers:
How does the Bradesco credit card work for negatives?
Credit cards for negatives work in the same way as conventional ones. It is no different with the Bradesco credit card for negative credit, the only difference between these cards is that the request is verified by the score.
It is possible to count on two types of credit card from Bradesco for negative:
- Bradesco Elo Consignado – Public Servant;
- Bradesco Elo Consignado – Retirees and pensioners.
Usually some digital banks do credit analysis this way. Bradesco’s credit card for negatives works normally, the holder makes purchases at the desired establishment and pays for them on the invoice before the due date.
What are the rules for a negative person to apply for a Bradesco credit card?
The cards mentioned above can only be ordered for the categories mentioned next to them. These are: civil servants and INSS retirees and pensioners.
Anyone who is negative needs to be aware of the score. Even if it is negative, banking institutions need to know if it is a good payer. So paying your bills on time is very important.
You can check your score through the Serasa website. In addition, you can also check the debts that are in your CPF.
What are the advantages of a Bradesco credit card for a negative person?
Check out below what are the advantages of the Bradesco credit card for negative customers, being it the Elo Consignado:
- Security in online purchases;
- Installments and longer term for payment of installments;
- Participation in reward programs.
In addition to these, other advantages are also included. Remembering that these are the advantages of the Elo Consignado card.
What are Bradesco’s credit card fees for negatives?
Taking into account the fees of the Elo Consignado card, check below what they are:
- Holder: BRL 45.00 or 12 installments of BRL 3.75;
- Additional: BRL 22.50 or 12x of BRL 1.87.
Fees may vary, as it depends on the Banco Bradesco credit card you choose. So it’s important to be aware of that.
What is the Bradesco credit card limit for negative credit?
The limit also varies according to the Bradesco credit card you choose. Usually the amount also varies according to the applicant’s minimum monthly income.
But the limit for a payroll credit card is 25 to 27 times the amount of the consignable margin of the applicant. It is possible to consult the total amount with the consignee.
How to apply for a Bradesco credit card for a negative?
If you are interested in a Bradesco credit card for negative credit, it is necessary to go to the nearest Bradesco branch to make the request. For those who are already account holders, it is necessary to go to the branch where the account was created.
get in touch with Bradesco team?? The numbers are as follows:
- 4002 0002 (capitals and metropolitan regions);
- 0800 570 0022 (other locations).
You can contact the contact numbers above and ask questions about the card.
Now that you know the Bradesco credit card for negative credit, it is enough to evaluate if it is worth requesting.