Apply for a credit card to make your financial and economic life easier at first, that is the goal. Everyone wants to have a credit card nowadays, but of course, with the ease of paying and acquiring services and products is so great, that no one wants to be left out. To apply for credit card and use it on a day-to-day basis, you first need to establish some purchase and other financial resource goals.
Why, of course, it’s no good if you have a $ 10,000 limit card if you do not have the money to pay the bill when you get home or email. So understanding the use of the card and the responsibilities of the purchases that will be made will not cause problems for the future of finances.
In addition to the objectives, the resources still remain, when applying for a credit card and having it approved, understand that it will generate expenses from the beginning, in addition to annuity fees, it also has the death hour taxes on international operations and financing , if you spin the invoice payments.
Usually every Brazilian citizen residing in your country can request as many credit cards as you want, as long as you have a clean name and a proven income. However, there are limitations of limits for the credit released, including, some cards is unlimited pre-established.
Age Limit to Apply for a Credit Card : Normally, to apply for a credit card you must be over 18 years old. As for the maximum age, it diverges from administrators and banks, but is around 75 years.
In some cards there is a limit for purchases, for withdrawals and for numbers of parcels to be financed, for example, when buying a product in installments, the limit is 8x, while other flags are 12x and so on. In general, the bearer does not have many problems, since the limit of purchases is established to the limit of the card, based on its income and constant use.
In addition to the traditional credit cards in their handling, we have also seen the large growth of prepaid cards, created by banks, financiers and credit administrators. In this case, minors under 18 can have them without problems given the legal authorization of the parents. In almost all cases of prepaid credit cards, and the age limit is from 14 to 18 years and beyond.
Request credit card
Bank Credit Card : Today, every banking or credit institution has a huge range of cards, cater for all types of customer profile and income. If you decide to apply for a credit card by the bank , it will certainly be attached with your checking account, on the one hand it is good, since the debits are automatic and do not require the submission of extra documentation.
After the request for “registration or online form” or via Internet Banking, the financial institution will send to the holder in his residence, the PIN (password) and later the plastic to be activated. The PIN (password) is the security code for online access and for completion of purchasing operations.
Prepaid credit cards: A prepaid credit card is a requested purchase instrument without the need to have a bank account. How do I request a prepaid card? The procedure is similar to traditional credit cards, however: without age limits, you must have Brazilian citizenship, present common documents and do not need to check income tax detail.
Ideally you should “apply for your credit card” or prepaid according to your financial needs and usage.