Discover 5 good credit cards without consulting the SPC and Serasa. These days, it's very difficult to live without a credit card. Many of our favourite services and products require a card for payment, and those who don't have one end up struggling.

What's more, one of the biggest reasons why a person can't be approved for a card is a dirty CPF. But did you know that there are some financial institutions that make it possible to get a payroll credit card for people with a negative credit rating?

You may be asking yourself: But who is going to give a credit card to someone whose CPF is dirty? What guarantee is there that this person will pay the bills? Well, these cards work on a consigned basis, i.e. the amount of the bill is deducted directly from the user's payroll.

This is the guarantee you're giving the financial institution: your own salary.

What is the difference between a payroll credit card and a payroll loan?

• O Payroll Credit Card is a card that you can use to pay for products and services bought in a physical shop or online. You can pay for these products and services in several instalments, and you pay a little each month. This card has a limit, determined by your income, and you have to be careful with this limit.
• Once you've reached it, you can only use your card again once you've paid off the bill, which will reduce your total card debt. You'll also be able to make cash withdrawals, which will be deducted from your card bill.
• O Payroll loans is a normal loan, i.e. you take the amount you want in full and in cash (deposited in your current account), and pay it back in instalments, with fixed instalments over a set period, plus interest.

Is there such a thing as a credit card without an SPC or Serasa enquiry?

Yes, there is. But as we said before, you need some kind of guarantee that the client will pay their debt, and in the case of having a dirty CPF, that guarantee is your own salary.

But what if you're sacked? Well then, this type of card is usually given to civil servants, pensioners and INSS pensioners, who are people who can't be sacked. But some banks also offer it to private sector employees, and in this article you'll learn more about how to do it.

Who can take out a payroll credit card?

• INSS pensioners;
• Federal, state or municipal civil servant;
• Army, Navy or Air Force military;
• Employees of private companies affiliated with Banco Bradesco;

Below you'll find 5 good credit cards without SPC and Serasa enquiries, shall we?

Banco Bradesco payroll card

This card is the only one on the list that can be applied for by employees of private companies, which is why I put it at the top of the list. Best of all, this card has no annual fee.

See also: Online Personal Loan - Check out how it works!

Of course, civil servants and INSS beneficiaries can also have this card, but what really sets it apart is that private company employees whose company has a relationship with Banco Bradesco can also get it, even if their CPF is dirty.

How do I apply for a Bradesco payroll credit card?

To apply for the card, you must be at least 18 years old, and INSS pensioners must have reached the age of 21. You also need to have an income of at least one minimum wage in force, and you'll need a copy of your ID, CPF and proof of residence.

For more information on Bradesco's payroll credit card for people with debts, you can go to page of the bank or contact the Bradesco Easy Phone Number:

• 4002 0022 (capitals and metropolitan regions)
• 0800 570 0022 (other locations)

Banco Inter payroll card

Banco Inter is a favourite among Brazilians because of its facilities and the free annual fee for its international credit card. The consigned credit card for people with a negative credit rating is aimed at pensioners and municipal, state and federal civil servants, with the minimum amount deducted from the bank's payroll, which can vary from 5 to 10% of the card's limit.

You pay the rest of the bill as normal, just like any other credit card. Banco Inter offers interest rates well below most other banks, as well as special payment conditions.

How do I apply for a Banco Inter payroll credit card?

To take out a Banco Inter payroll card, simply call the bank's customer service centre. It's available 24 hours a day, and ask for a payroll card assessment.

When you call, have your ID/CNH and CPF, mobile phone number, benefit/enrolment number, benefit/salary amount, payslip and proof of address (with a maximum issue date of 3 months) to hand.

Once analysed, the agreement will be validated. You will then have to go to the bank's website to apply for your Banco Inter payroll credit card.

• 3003 4070 (option 5)

BMG Card

Another international card with no annual fee on our list is the BGM Card, ideal for civil servants, retirees and pensioners who have a negative credit rating but want or need a credit card.

With low interest rates, the BMG Card is international, easy and unbureaucratic. What's more, customers who sign up to a special programme are entered into prize draws for cash of up to R$ 2,000.00 every month.

For example, the BMG card has a very attractive points programme, the Mastercard Surpreenda Programme. In other words, when you make purchases on your credit card, you earn points that can be exchanged for exclusive products and services.

How do I apply for a BMG Card payroll credit card?

If you are interested and fulfil all the requirements, you can apply for your BMG Card at Banco BMG website or enquire by telephone.

• 40027007 (mobile phone calls)
• 08007701790 (landline calls)

Banco Pan Card

Banco Pan's credit card without consulting the SPC and Serasa is aimed at INSS beneficiaries and some civil servants.

This card has one of the best interest rates on the market and offers its customers many advantages and benefits. Like the other cards on this list, it has no annual fee and is international.

But what is most striking is the excellent credit limit given by Banco Pan to its payroll card customers, which can be up to double their salary or benefit. But for this to happen, you have to be a good payer, always paying your bills on time and using the card's limit.

How do I apply for a Banco Pan payroll credit card?

In conclusion, if you meet the requirements to be a Banco Pan customer and want to apply for a card, you should go to the Banco Pan website. Pan Bank. First of all, have your ID and CPF, proof of residence and proof of income at hand when accessing the site.

Simple Cash Card

Many retirees, pensioners and civil servants receive their salaries or benefits through Caixa Econômica Federal. That's why this could be a good option for you. If this is your case, it's worth taking a look, since you already have a relationship with the bank.

You can therefore have a good internal score, even if your CPF is dirty. What's more, the Caixa Simples payroll credit card has interest rates up to 3 times lower than conventional cards.

And even revolving credit. But beware; you must be under 75 to apply for this card. Check out the exclusive benefits of Caixa Simples below:

• Home check-up: Caixa provides a specialised professional to make small repairs to your home, and you can call on the service up to three times a year.
• Clube Elo Mania Caixa: Various discounted products and services for Caixa Simples customers.

How do I apply for a Caixa credit card?

To apply for a Caixa Simples Credit Card, you can go to the Box or at the Caixa Card Service Centre:

• 4004-9009 (capitals and metropolitan regions)
• 0800 940 9009 (inland)

In short, these are good credit cards without consulting the SPC and Serasa, and most of the options for people with a negative credit rating are aimed at INSS beneficiaries and public sector workers. However, if your company is affiliated with Banco Bradesco, you can apply even if your CPF is dirty.