Credit Card Ranking: Having a negative credit rating does not mean that you have lost all financial opportunities. On the contrary, the market has adapted to the reality of many Brazilians, offering affordable solutions for those with CPF restrictions. One of these solutions is a credit card for people with negative credit ratings, which can be an excellent way to start over in your financial life.
In this article, we will present the real credit card options for those with bad credit in 2025. In addition, you will understand how these cards work, what the requirements are for applying and what to consider before making your choice. Continue reading and find out how to use credit responsibly, even in challenging times.
How do cards for those with bad credit work?
In general, credit cards aimed at people with bad credit work in a similar way to conventional cards. However, they usually have specific conditions, such as:
- Reduced credit limit
- Need for security deposit (guaranteed card)
- Proven income or payroll account
- Higher interest rates in case of delay
On the other hand, these cards offer the opportunity to rebuild your financial history. As long as the user keeps up with payments, it is possible to improve their credit score over time. In this way, the card stops being just an emergency resource and becomes an ally in financial recovery.
Types of cards available for those with bad credit
Currently, there are two main types of credit cards available to those with restricted credit. See below:
Consigned card
Available to retirees, INSS pensioners and civil servants, this type of card deducts the amount of the invoice directly from the payroll. Therefore, it has a higher chance of approval, even with a bad credit history. In addition, because it has a lower risk of default, it usually offers lower interest rates.
Card with guarantee (deposit)
Here, the customer “lends” an amount to the bank, which will be used as collateral for the card limit. In many cases, it is possible to use up to 100% of the amount as the limit. This option is easy to approve and can be a first step towards regaining credit in the market. Furthermore, this model encourages financial control, since the limit is directly linked to the reserved amount.
The best credit card options for those with bad credit in 2025
Below, we have listed some reliable and advantageous options for those with bad credit, taking into account the ease of approval, fees and benefits. This will help you make a safer and more assertive choice.
1. Banco Pan Consigned Card
- Target audience: retirees, INSS pensioners and civil servants
- Annual fee: free
- Benefits: no SPC/Serasa consultation, high limit and cash withdrawals
- Highlight: ideal for those who want simplicity and quick approval
2. Neon Card with guarantee
- Target audience: anyone with a Neon bank account
- Annual fee: free
- Benefits: limit defined by the value of the investment in CDI
- Highlight: Great for starting to build credit safely
3. PagBank card with guarantee
- Audience: people with negative accounts with digital accounts at PagBank
- Annual fee: free
- Benefits: top up your limit via your account balance
- Highlight: affordable option with a complete app
4. BMG Consigned Card
- Target audience: retirees, pensioners and civil servants
- Annual fee: free
- Benefits: discounts on invoices directly from the payroll, flexible limit
- Highlight: easy approval without consulting Serasa
5. Superdigital Card
- Audience: open to all profiles
- Annual fee: free
- Benefits: international card and full control via app
- Highlight: Easy to get and great for online use
How to choose the ideal card for those with bad credit: Credit Card Ranking
Choosing the right card depends on your profile, goals and possibilities. To avoid making a mistake, consider the following factors:
- If you can invest an amount as collateral
- If you have a fixed income (ideal for loans)
- What fees and interest are involved
- Extra benefits such as cashback or fee exemption
In addition, compare options, read the conditions carefully and always choose a reliable institution. This way, you avoid unpleasant surprises and ensure a more positive financial experience. Credit Card Ranking
Final considerations
Even with a negative credit rating, it is possible to have access to a credit card in 2025. With responsibility and planning, this resource can be used to reorganize your financial life and return to the market with full force.
Therefore, carefully evaluate the options presented, understand their conditions and use the card as a tool for a fresh start. After all, rebuilding your credit is entirely possible, as long as you take the first step consciously. Finally, remember that financial discipline is the key to turning this moment into a new opportunity.
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