Having a credit card is essential for making purchases, paying in installments and even signing up for digital subscriptions. However, those with credit restrictions or a compromised credit history face many difficulties. The good news is that today there are several options for credit card for low score, available directly on your cell phone.
In addition, several banks and fintechs have created solutions with facilitated approval, including without consulting the SPC or Serasa. In other words, even with a bad credit history or without proof of income, it is still possible to obtain credit quickly and safely. Below, see the 3 best options currently available and how to apply for each of them through the app.
How do low score cards work?
In general, the credit cards for those with bad credit operate with more flexible analysis policies. Although not all of them dispense with verification in SPC or Serasa, many of them offer reduced initial limit, which may increase with use.
Additionally, there are options for digital credit card for low score, which work exclusively through apps. With this, you can request, activate and manage the card directly from your cell phone, without having to go to a branch.
So if you want Instantly approved credit cards on your cell phone, continue reading to find out about the best alternatives available on the market.
Advantages of requesting a card through application
Request a card with easy approval via app brings many advantages. Firstly, the process is entirely digital and can be completed in just a few minutes. In addition, you can monitor the progress of the proposal in real time.
Another benefit is that through credit card application apps, you avoid paperwork, queues and delays. Immediately after approval, many apps release a virtual card for online purchases.
Therefore, apps are ideal for those who want How to get a card with a low score in a practical and bureaucracy-free way.
1. Will Bank Card
O Will Bank is one of the best options for those looking for credit card for low score. The fintech stands out for approving customers even with a negative history, especially if their CPF is regularized.
With the Will app, available for Android and iOS, the process is simple and 100% digital. After registration, the analysis is done in up to 5 minutes. Even though the initial limit is low, it can grow quickly as the card is used.
Additionally, the app offers total control of expenses, real-time notifications, virtual card option and mobile lock/unlock. As a result, Will Bank is a favorite among those looking for an affordable credit card.
2. Neon Card
O Neon Card It is aimed at people with low credit scores or who have difficulty proving their income. Although there is a credit analysis, the app is usually more flexible than traditional banks.
You can download the app on your cell phone and apply for the card in just a few steps. Neon also offers a free digital account, with no maintenance fees, which makes the experience even more advantageous.
In addition, the app allows you to pay bills, transfer money via Pix, and check invoices in real time. For those who want a card without proof of income, Neon is a smart and practical choice.
3. PagBank Card
Finally, the PagBank is another excellent option card for those with a low score, including the possibility of a card without consultation. The fintech of the UOL group allows you to open an account and request a card through the app in less than 10 minutes.
If you’re not approved for traditional credit, the app offers a prepaid card that can be converted to credit based on usage. In other words, even with a bad credit history, you have a real chance of building a positive history again.
In addition, the PagBank app offers several financial services, such as cell phone top-ups, investments, loans and bill payments, all in one place.
Pre-approved cards: myth or truth?
Many people wonder if there are Instantly approved credit cards on your cell phone. While it is possible to get quick approval, it is important to understand that every card requires analysis — even if it is automated.
However, there are options that perform this analysis in seconds and allow immediate use via virtual card. Therefore, if you receive an offer of “guaranteed approval”, be careful not to fall for scams.
Tips to increase your chances of approval
Even with a low score, there are attitudes that help when it comes to getting credit:
- Keep your CPF regularized with the Federal Revenue Service
- Update your data in Serasa and SPC
- Use digital accounts frequently to create a positive history
- Pay bills on time, even low-value ones
- Start with a prepaid card and gradually progress
With these actions, your chances of getting a best card for people with bad credit increase significantly.
Conclusion: it is possible to have credit even with a low score
In short, anyone who has restrictions on their name or compromised credit score You no longer need to be without access to your card. With the advancement of fintechs, there are now several accessible and secure solutions directly via your cell phone.
So choose the application that suits you best, download it now and make your request. After all, taking care of your financial life intelligently is the first step to regaining your credibility and being able to consume freely again.
