Card With Bad Credit, Can I Request A Negative Name!?



Can I request a card with bad credit even if I have the name denied? Having bad credit, dirty name or being negative does not necessarily mean that you will not be able to get a credit card without consulting or borrowing, but it can make your life even harder because of the debt.

Often times, having a bad credit history on the square means that you may or may not be accepted by credit companies, however it will be approved with a higher interest rate than those with clean name and credit score from good to excellent . Except for the paycheck-deductible loan that is worth it and the paycheck-deductible credit card that has low interest rates.

Apply for bad credit card

So if you apply for a negative credit card for example at this time, it will all depend on your individual circumstances, the lender that you requested the card with bad credit, and the mode of the card, for example: prepaid, digital card or traditional card.

But before exploring your options, it is important to understand why your credit history causes embarrassment, gets you out of the traditional credit system, and you will always have higher interest rates than people with a clean name and good score. By being aware of where you are positioned, you avoid harming yourself further. 

Think Before Applying for a Credit Card

Think Before Applying for a Credit Card

First step – if you have not already done so – check your credit history. After all, this is what lenders want to see if your name is clean, your score and if you are good payer, after all, if you take care of and protect your credit information, you will not have problems when signing up to request any kind of loan or financing.

You can do this by registering free credit checking services – SPC Brazil, Boa Vista (SCPC) and Serasa Experian.


Credit Card X Bad Credit and Negative


Credit Card X Bad Credit and Negative

In Brazil the credit history does not yet have the relevance that is given as in the US, but it is a matter of time until this system of qualification works the way it should be. However, lenders will pay close attention to negative inscriptions, such as lost (defaulted) payments that will be visible in your credit history for five years.

However, if you are confident that you can make your monthly repayments without fail – perhaps your financial scenario has changed and you want to clear your name and return to having credit – a card can be a handy way to begin to fix it.

Similarly, if you do not have a credit history because you have never borrowed from any bank or financial institution, using a bank credit card can help you create and increase your score and history with responsibility. start increasing your credit score.


What to consider when applying for a credit card


What to consider when applying for a credit card

To avoid having to face financial difficulties, it is important for you to know how much leftover money you have to use every month before applying for a credit card. This way, you can be sure that you can pay the monthly invoices without compromising the rest of the finances.

If you have room in your budget to pay for credit card expenses, there are a few things that you need to keep in mind.

A good way to start your search is to check your eligibility before applying for a card. Remember, every time you try to apply for a credit card , regardless of whether you are approved or rejected, the system records the inquiries of the creditors and this impairs the analysis of other financial services.

If you have bad credit (negative name), you may be refused by some card administrators. However, the criteria of each creditor are different, so not all will take that into account, it is possible to find credit card without consulting the SPC and Serasa for negatives.

If you have dirty name, nor need to despair, the credit market has dozens of solutions to release card with bad credit to negative , meaning that it has restriction. Access the search tools that find these opportunities.

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