Credit Card for Negative and Non-Negative People

Get a Credit Card for People with Bad Credit and not negative or restricted may seem like an impossible mission, but fortunately, it is not.

With the growth of fintechs and the modernization of traditional banks, several alternatives emerged to serve this public.

This definitive guide not only presents the best card options, but also a complete analysis of each bank, their strengths and weaknesses, card categories and direct links so you don't have to look elsewhere for more information.

Additionally, we will detail how each bank and fintech works, so that you understand what to expect and how each one can help you on your journey to regain access to credit.

1. Payroll Cards

Payroll cards are deducted directly from your payroll or benefit, making approval easier.

• Pan Bank: Banco Pan is known for its efficient digital service and a range of financial products aimed at those seeking affordable credit.
  The main advantage of your payroll card is its competitive rates, much lower than traditional cards, as the risk of default is reduced.
  However, some users report that the analysis process can take a long time.
• Nation Bank: One of the most traditional banks in Argentina, Banco Nación offers stability and security.
  Your payroll card is ideal for retirees and public servants, but bureaucracy can be a negative point for those looking for agility.
• BBVA Bancomer: With a strong presence in Latin America, BBVA offers digital innovation, modern applications and 24/7 support.
  However, their fees are slightly higher than other fintechs.

2. Prepaid Cards

Rechargeable and without credit analysis, they are ideal for financial control.

• PagBank: In addition to being a complete digital account, PagBank offers cashback and several integrated services.
  The prepaid card is easy to obtain, but customer support can be slow at times.
• Wow: Ualá revolutionized the Argentine and Mexican markets with a fee-free card, perfect for everyday use.
  The negative point is the initial limits, which are low until the user builds a history with the fintech.
• Mach: Mach, from the BCI group, stands out for its easy integration with other local banks, allowing instant transfers.
  However, some customers point out that customer support is limited.

3. Cards with Guarantee (Security Deposit)

They require a deposit as a limit, helping to rebuild credit.

• Nubank: Nubank is a pioneer in digital services and offers a card with a security deposit for those who want to rebuild their credit.
  Despite the flexibility, the limit increase may take time to be approved.
• Brubank: Completely digital, Brubank offers an easy-to-sign-up card, but with fewer services than traditional banks.
• Finery: In addition to the card, Finerio offers financial control tools, helping the user to manage their finances.
  The weak point is the limited availability of initial credit.

4. Cards for self-employed workers and micro-entrepreneurs

They analyze financial transactions, not just credit history.

• Inter: Banco Inter is a reference in digital accounts without fees, with an affordable card for self-employed workers.
  Service can be slow, but the variety of services makes up for it.
• C6 Bank: With card customization and an innovative platform, C6 Bank attracts many users, although its app has some reported flaws.
• Nequi: Nequi, linked to Bancolombia, offers a flexible digital account, but still lacks more advanced services.

5. Digital Cards and Emerging Fintechs

New fintechs have facilitated access to credit with less bureaucracy.

• Will Bank: With a simple approval process and affordable limits, Will Bank is a great option for those with bad credit, although its support needs improvement.
• Azteca Bank: Aimed at small entrepreneurs, Banco Azteca offers quick credit, but with rates that can be a little high for beginners. Access here.

Conclusion

This guide has outlined all the options available to you to achieve a credit card with negative name at Latin America, categorizing banks and fintechs, detailing their strengths and weaknesses, and offering direct links to make your life easier.

By understanding how each bank operates, you can make a more informed and confident choice.

Therefore, evaluate the alternatives carefully, choose the one that best fits your profile and use credit responsibly.

This way, in addition to having immediate access to services and purchases, you will also begin to rebuild your financial history, ensuring a safer and more stable future. 💳🌎