Which credit card does not check SPC or Serasa?

In this article, you will find out which credit cards do not check SPC or Serasa. There are several options, and the fact that there is no check makes it easier for people with bad credit to have a credit card. Read the text until the end and find out!

Having a credit card gives us the possibility of paying for our purchases in installments without interest, making purchases online, paying by contactless payment and taking advantage of exclusive benefits that financial institutions provide to their customers.

Generally, people with bad credit find it difficult to have a credit card approved, but many banks do not consult the SPC or Serasa, which makes approval easier for people with bad credit.

In addition to all the benefits of having a credit card, we now have several options for prepaid credit cards or payroll cards, with no annual fees, no issuance fees, no revolving interest and easy control of expenses, which can be done through apps.

Prepaid Credit Card

Prepaid credit cards require you to deposit a certain amount into your account in order to use them. It is important to note that they can be used as credit cards, but you cannot use them to pay for purchases in installments.

Credit Card

Payroll credit cards work like normal credit cards and can be used to pay for purchases or services and make withdrawals.

Just like a payroll loan, the card bill is deducted directly from the bank account or paycheck of the person who hires the service.

7 Credit Card Options that do not check SPC or Serasa

There are several credit card options on the market that do not check SPC and Serasa, it is a great option for those who have a negative credit rating and want to have a credit card.

Check out 7 credit card options that don't have SPC or Serasa checks!

Credit Card that does not check SPC or Serasa BMG

How does it work?

Exclusively for INSS pensioners, retirees and public servants, the BMG Card is a credit card for those who have an agreement with Banco BMG.

No annual fee, no SPC or Serasa checks, and has lower interest rates than regular cards.

Every month, the minimum invoice amount is deducted from your salary or benefit, and the remainder can be paid via the app. The amount paid for each invoice goes back to your limit.

What are the advantages?

• Card with one of the lowest INSS rates;
• Without consulting SPC and Serasa;
• No annual fees, no tariffs;
• Possibility of contracting basic services;
• Expense control in the meu_BMG app;

How to apply?

The BMG Card credit card application can be made at a Help store, on the institution's website or by calling 0800 770 1790.

Documents required to request the card: CPF, ID, proof of residence, the last 2 income statements and salary credit statements.

Important details about credit cards that do not check SPC or Serasa BMG

SIMPLE box

How does it work?

The Caixa Simples credit card offers the same facilities as other cards. It can be used to make purchases online or in physical stores, in Brazil or abroad.

5% of the limit spent is automatically deducted from your INSS benefit, the other 95% remaining from your credit limit can be turned into money in your account.

Simply request this option when you sign up for your Caixa Simples credit card.

Revolving credit is 3 times smaller than a conventional credit card. Only 2.85% per month.

The card is issued with the national Elo brand, but is accepted in other countries. The annual fee is free.

What are the advantages?

Advantages of the Caixa Simples credit card:

• Zero annual fee;
• More affordable interest rate;
• Does not consult SPC or Serasa;
• Elo FLEX platform that already comes with 5 benefits;
• Elo Mania Club, services and products with discounts.

How to apply?

The Caixa Simples card is available for purchase at CAIXA branches or via WhatsApp on 0800 726 01 04.

If you are an INSS pensioner or retiree, you can request your card at Caixa ATMs throughout the country.

Have the following documents on hand when making your request: Benefit Statement, proof of residence, ID and CPF.

To issue the card, CAIXA charges a fee of R$15, which can be paid in up to 3 installments on your account.

Important details about the credit card that does not check SPC or Serasa Caixa SIMPLES

Credit Card that does not check SPC or Serasa Olé Consignado

How does it work?

With the Olé Consignado credit card you can make your purchases in all stores accredited with the card brand, and even withdraw the credit limit available for your agreement.

After the monthly invoice is closed, the minimum amount is deducted from your payroll, the remainder must be paid separately.

What are the advantages?

The advantages of the Olé Consignado credit card are:

• No costs for issuance and maintenance;
• Zero annual fee;
• 4x cheaper rates;
• Apply for the 100% card online;
• Cash withdrawals;
• Credit for those with bad credit;
• Discounts and benefits.

How to apply?

Access the card page or open the app, run a simulation by filling in your details and complete your Olé Credit Card application.

You will need to take a photo of your ID or driver's license, proof of address, pay stub and a selfie.

Important details about the credit card that does not consult SPC or Serasa Olé Consignado

Banco Pan Credit Card

How does it work?

It is a credit card with zero annual fees and payroll deduction. With the Banco Pan credit card you can make purchases, withdraw the available limit and take advantage of lower interest rates.

Part of the outstanding balance of the invoice is automatically discounted from your salary or paycheck account; the discount cannot be greater than 5% of your monthly income.

The remaining balance of the invoice must be paid separately. If it is not paid, it will be charged to the credit card revolving credit. Payment can be made at lottery outlets and banks using a bank slip.

The card can be made available to INSS pensioners, retirees, federal, state and municipal public servants, army servants and pensioners.

What are the advantages?

The advantages of using the Banco Pan Consignado credit card:

• No Annual Fee;
• Limit of up to 2x your salary;
• Interest rates up to 4x lower than a regular card;
• Accepts negative people.

How to apply?

It's very easy to apply for the Banco Pan credit card, take a look:

The first step is to simulate a proposal on the institution's website, accept the proposal and provide the requested data. Finally, receive your card safely at your home.

Important details about the credit card that does not consult SPC or Serasa Consignado Banco Pan

Mercado Pago credit card

How does it work?

The Mercado Pago credit card is 2 in 1, it works as a debit and credit card. It can be used for the same purposes as a normal credit card.

The annual fee is free, you have the possibility of earning double points with the Mercado Pontos rewards program and you have exclusive benefits from the Visa Gold brand.

What are the advantages?

Advantages of the Mercado Pago credit card:

• Free annual fee;
• Installments in up to 18x without interest;
• Exclusive Visa Gold benefits;
• Credit and debit card in the same place;
• Financial control through the app;
• Practicality in your purchases;
• Security.

How to apply?

To request the credit function, you must join the waiting list, and you must already have a Mercado Pago account and a debit card.

To join the waiting list, follow these steps:

1. Log in to your Mercado Pago account;
2. Select the “Help” function;
3. Go to the “Mercado Pago Card” option
4. Choose the option “I want to have the credit function on my card”;
5. Click on “I want to join the waiting list”;
6. Now just wait.

Important details about credit cards that do not check SPC or Serasa Mercado Pago

Credit Card that does not check SPC or Serasa ITI

How does it work?

The credit card that does not check SPC or Serasa ITI works like a credit card, but the purchase amount is discounted from your iti balance, so it is as if the card were prepaid. It is not possible to pay for purchases in installments with the iti card. The card limit is equal to the balance available in the account.

What are the advantages?

The advantages of the ITI credit card are:

• Virtual card for online purchases;
• You do not need to prove income to apply for the card;
• Receipt of amounts within 1 business day;
• For individuals, there are no transaction fees;
• No monthly fee;
• Discount on the partner network;
• TED or DOC transfers to any bank, with a limit of R$1,000;
• Payments with QR code;

How to apply?

Applying for the ITI credit card is very simple, just look:

1. First, you must already have access to the ITI application;
2. On the first screen of the app, tap on the ITI credit card option;
3. View the card benefits and tap continue;
4. Tap continue again;
5. If you have no doubts, select the option to request a credit card;
6. Read the terms and if you agree, click “I have read and agree”;
7. Enter your ITI password;
8. Now just wait for your request to be analyzed.

Important details about credit cards that do not check SPC or Serasa ITI

Ame Digital Prepaid

How does it work?

The Ame Digital prepaid credit card has a MasterCard brand, has no annual fee and works as a “prepaid credit card” for purchases in physical or digital stores, and has the possibility of making contactless payments.

Ame Digital account holders have several options for adding balance to their wallet, through bank slips, bank transfers, credit cards or even at Americanas Store cashiers.

What are the advantages?

The advantages of using Ame Digital prepaid are:

• Accepts those with negative credit ratings;
• Financial control, as the card is prepaid;
• International card;
• Contactless: payment by approximation;
• No charges for issuing the card;
• Cell phone recharge;
• Possibility of transferring balance to other Ame Digital accounts;
• Taking out a personal loan;
• Benefits of Mastercard Surpreenda.

How to apply?

It is very easy to request the prepaid Ame Digital, but you must be a customer of the company. If you are a customer, just access the application, register and confirm it, after which the digital Ame will be sent to you.

Important details about credit cards that do not check SPC or Serasa Ame Digital