I want to make a store card without consultation .. this is the question they always ask here in the Portal. In Brazil we have access to almost all types of credit cards that you can have an idea, and one of the special modalities are the credit cards of stores for credit.
OK! But, when should we ask for a store card without consulting the credit bureaus ? As long as you have the opportunity – make one! Cards being good at using are excellent friends to lend us money to pay later and no interest, but good enemies if this scoop is not fulfilled.
Imagine you being in a store shopping on vacation or looking for something cool for yourself, the discount that are offered with a store credit card can be quite attractive. You can get 5, 10 or even 20 percent off, and sometimes even more, or you may get a 5x, 8x, 10x, 12x, interest-free financing condition on purchases over $ 200 reais as an example. Also read credit card without consulting the name.
The savings made with an unsecured store card are real but it is important to consider more than the discount you receive. Thinking about the pros and cons before applying for a store credit card is part of the ritual when asking for any type of credit. A curious detail is that here in Brazil, not yet picked up this coupon deal, but in the United States for example, in addition to the coupon discount, there is still the possibility of accumulating discounts with the card.
Pros of store card without consultation
While credit card stores are not suitable for all circumstances of purchase and payments, there are times when having a new card of this type may be worth much that a traditional bank or financial card.
1. Discounts and special offers
Depending on what you are buying, you can save a lot of money on the initial discount that many stores offer when you own this store card. You may also be eligible for many special discounts and ongoing offers being titled.
For example, the credit card Pernambucanas, in addition to exclusive offers, the holder has access to personal loans whenever needed, as well as 4 types of insurance, dental assistance and computer assistance for those who have difficulties with the new technologies.
In Renner Card, the holder has it free of charge (no annual fee and no maintenance fee), has access to stock in stores with differentiated discounts, has 5x, 8x and up to 10x without interest to pay and insurance protection.
2. Easier Access to Credit with Card
Today it is much easier to get approval for a store card without analyzing the reports of consultation services to SPC and Serasa, just choose the store of your choice and place the order, it is convenient if you need to make a quick purchase, but you do not have how to pay the cash value on time, then using a credit card is certainly one of the better options.
And, if your credit is not good (know how to consult the CPF and name) enough to qualify for a private bank credit card, ask for a prepaid card or a card without consulting the store of your preference, at current circumstance makes this modality an excellent business, mainly because some comes with a positive balance of R $ 300 to R $ 800 reais depending on your customer profile.
3. They can help increase the credit score or score
You can even use a credit card to create or increase your credit score. To create credit with a non-paid card, you must make the invoice payments before or on the due date.
The problem with unsecured store cards, even those of the store, is that they often have considerably higher interest rates when paid on time, so do not allow yourself to pay your bills late. Good luck!