Cartão de Crédito com Nome Sujo

Discover which cards are approved even with low scores and strategies to regain your financial freedom.

Firstly, having your name blacklisted does not mean that your financial life is over.
In fact, with the right tools, it is possible get back into credit, increase your score and have a card that really works for you.

Therefore, if your CPF is restricted or your score is low, this article is your definitive guide.
Here you will find cards for those with bad credit, apps that help renegotiate debts, tips for increase your score quickly and strategies for get back in control of your money in 2025.

After all, everyone deserves a second chance — and today, that's more accessible than ever.

Why your name gets blacklisted — and how it affects your credit card

First of all, let's understand the basics.

Your name is blacklisted when you fail to pay a bill, invoice, financing, or your credit card statement.
Then, your CPF is included in databases such as Serasa, SPC or Boa Vista.
This reduces your score (a score between 0 and 1000), which is what banks use to approve or reject a new card.

However, being negative doesn't mean you can't have a card.
In fact, there already are several cards for those with a bad credit history, especially the so-called cards with guaranteed credit or pre-approved by app.

What is a secured credit card?

Simply put, it's a card that works like this:

You deposits an amount as collateral (e.g. R$ 300)
This amount becomes your credit limit.
You use it normally, like any card.
If you pay correctly for 3 or 6 months, the bank releases real credit

Therefore, it is a safe, practical and efficient way to return to the credit market without risk for the bank and with direct benefit for you.

Best cards for people with bad credit and low scores in 2025

1. PagBank Guaranteed Card

Accepts bad credit
You choose the limit value (minimum R$ 50)
Zero annual fee
Credit release in 90 days, with responsible use
Android / iOS

2. Will Bank

Approval even with a score below 400
Free digital account
Possibility of increasing the monthly limit
Android / iOS

3. Banco Inter Debit + Credit Card

If you have a bad credit history, credit is released with guarantee.
Complete digital account
Automatic increase with use
Android / iOS

4. BMG Consigned Card for INSS

Without consulting SPC or Serasa
Direct discount on retirement or pension
Even for those who have been in debt for years
Android / iOS

Apps that help you negotiate debts and clear your name

So, if you are looking to clear your name and get credit back easily, it is definitely worth using. apps specialized in debt renegotiation.

1. Serasa Clean Name

View your active debts
Negotiate directly with creditors
Easy installment payments
Offers with up to 99% discount
Android / iOS

2. My Agreement

Payment simulations
Installments that fit your budget
Free CPF queries
Android / iOS

3. Right Deal

Companies like Vivo, Claro, Net, Bradesco, Santander and more
Flash deals with up to 90% discount
Android / iOS

Therefore, after negotiating, the name leaves the credit bureaus within 5 business days.
Soon after, your score starts to rise It is the chances of getting credit increase.

How to increase your score faster in 2025

Initially, your score is influenced by five main factors:

Bill payment history
Time you have had an active CPF
Recent queries to your name
Total value of active debts
Relationship with banks

Therefore, to quickly increase your score:

Pay bills on time
Register electricity, water and telephone bills in Positive Registration
Renegotiate debts through the Serasa app
Use prepaid cards responsibly
Keep your CPF active with monthly transactions

Tip: The longer you maintain a healthy financial routine, the faster your score will rise.
However, many users report that the score can increase up to 150 points in 3 months with good use of the card guaranteed.

Practical strategy: step by step to “reborn” in credit

Download a renegotiation app and see if there are any active debts
Pay or negotiate what is possible
Apply for a secured credit card (PagBank, Inter or Will)
Use this card to pay bills and small purchases
Always pay before the due date
Track your score through Serasa or Boa Vista
After 3 months, request a limit increase or unsecured card

This way, you rebuild your financial life with intelligence and control.

Conclusion: Starting over is possible — and the right apps make all the difference

Certainly, living with a negative credit rating is not easy.

However, with planning and the right applications, it is entirely possible. get back on credit, increase your score and get a good card even with restrictions.

Therefore, today, fintechs like PagBank, Will Bank, Inter and BMG offer real opportunities for those looking for a fresh start.

Furthermore, tools such as Serasa Limpa Nome and Acordo Certo make the trading process simple, straightforward and 100% online.

After all, what defines your financial success is not the past — it's what you start doing. from now on, Credit Card with Bad Credit.

Anyway, download the apps, get organized, use a card responsibly and regain your freedom, Credit Card with Bad Credit.

Therefore, You deserve to return to buy, pay in installments, travel and plan your future with dignity and tranquility.

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