When a person is negative, it becomes more difficult for them to access credit. This happens because banks and financial institutions have no confidence that this consumer will be able to pay all the bills.

Therefore, defaulting consumers must be very careful not to seek credit and end up making the situation worse. If this is your case, first try to organize your financial life and clear your name. Getting a traditional card while you have debt is almost impossible. Check out some options for your case below.

How do I apply for a credit card online through Serasa eCred?

You can compare and apply for your credit card online in just a few minutes. Check out:

1.  Access for free Feels like eCred
2.  Answer the initial questions about the type of card you need
3.  See online the offers that exist for your profile (limits, services and interest rates)
4.  Register for Serasa eCred and fill in some more information
5.  You will also need to send your documents directly to the Serasa eCred partner via the online platform
6.  Your order will be evaluated by the company where you requested the card according to their credit policies to approve or not the order.
7.  Ready! You will soon receive a response to your request

What documents must you present?

See the proofs that can be requested to release the credit card:

• RG, CPF
  Official document with photo. Examples: agency card (OAB, CRM, etc.), CNH (National Driving License), passport, work card.
• Income: Pay slip, Paycheck, Bank statement, Work permit, Income tax declaration
• Residence: Water, electricity, telephone bills (mobile or landline), Rental contract with notarized signature, Statements sent by the INSS, for example, Credit card invoice, FGTS statement sent by Caixa Econômica Federal, Payment collection form IPTU or IPVA, Bill of payment for health plan, condominium, real estate financing or school tuition.

What are the benefits of applying for your card online through Serasa eCred?

At Serasa eCred you can find several companies such as banks, fintechs and finance companies that provide credit card options.

Thus, the main benefit is the practicality of finding different credit card options in the same place with different advantages, rates and annual fees to compare. Including the prepaid card.

Furthermore, at Serasa eCred, you can compare the benefits and services offered according to your profile quickly and simply.

The use of Serasa eCred is free for the consumer. In other words, you can search and compare credit card options online whenever you want, without paying anything for it.

What is the ideal limit on your credit card?

Setting the ideal limit on your credit card is important so that you don't spend more than you can afford and get into trouble when paying your bill. To do this, it is essential:

• Keep the limit at 30% of your income.
• Reserve high limits for emergencies only.
• Set a daily limit to help control your spending.
• Schedule installments and avoid new expenses while you have outstanding installments.

New credit card rules

In April 2017, credit card rules changed. Customers without enough money to pay the full invoice can stay on the rotary for a maximum of 30 days.

Next month, he will no longer have the minimum payment option and will have to choose between two possibilities:

• Pay the full amount;
• Or pay the bill in installments, according to the options the bank will offer.

According to the new rule, the interest rate for installments must always be lower than that for revolving payments.