If you are retired, an INSS pensioner or a federal civil servant, find out how to apply for the Caixa Simples Card, an excellent salary loan with no annual fee and interest rates 3 times lower than those on regular credit cards.
Although this is a basic card, its contracted parties can purchase in millions of establishments around the world, as long as they are officially endorsed by the Elo network of product brands.
Another positive point of this payment method is that there is no consultation with institutions such as SPC and Serasa, so even negative credits can be claimed. Below you will find some reasons to rent the product and how to obtain it.
Reasons to apply for the Caixa Simples card
There are several reasons why you should consider applying for a Caixa Simples card, here are the top 5:
- You don't need to pay an annual fee;
- more affordable interest rates;
- recruitment without bureaucracy;
- Choose the benefits that work best for you with Elo Flex;
- Make national and international purchases safely.
Since there is no annual fee, Caixa Econômica Federal only charges the card issuance fee. The amount of this fee can be paid in up to 3 installments, depending on the customer's preference.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Is it safe to apply for the Caixa Simples card?
The Caixa Simples card is issued by Caixa Econômica Federal itself, which follows several security guidelines established by the Central Bank of Brazil for this process, so the card is quite secure.
Additionally, the product comes with a security chip, this tool requires a security code to be entered into the machine. If this password is entered incorrectly several times in a row, the card will be blocked.
After applying for the Caixa Simples card and being approved, you can also use the Cartão Caixa app, which allows you to track purchases in real time, making it easier to identify improper use of the product.
Caixa Card Application
The Cartão Caixa app is available to all Caixa Fácil Card holders, a tool with very useful features. It is currently available for free download on Google Play and the Apple Store.
Once registered, you will be able to check your balance, monitor purchase statements, request a temporary freeze of the card if you feel it is necessary, request a copy, change your address and much more.
When you apply for a Caixa Simples card, you can also generate a virtual card through this app. This payment method is suitable for online payments, and its card number is different from the physical card, which is more secure.
Requirements to be able to apply
If you wish to apply for a Caixa Simples card, you must follow some basic requirements established by Caixa Econômica Federal itself, including:
- Retirees or retirees from INSS;
- become a federal public servant;
- Under 75 years old.
As mentioned, there is no bureaucracy in recruitment, so there is no need to consult Serasa and SPC. Thus, people who have restrictions with credit protection agencies can try to register.
→ Apply for a high-value credit card! Click here to see, no minimum income requirement!
Required documents
During the Caixa Fácil card subscription process, interested parties must present the following documents:
- Benefits Statement;
- Recent proof of residence;
- IDENTIFICATION;
- Pension fund;
- Federal public servants must pre-authorize Caixa directly on the SIGEPE portal.
It is important that all of them are in good legible condition, as Caixa needs to verify the information provided when requesting the Caixa Simples card.
How to apply for the Caixa Simples card
It is currently not possible to apply for the Caixa Simples card online. Therefore, those interested in purchasing this product must go directly to the nearest Caixa Econômica Federal branch.
At the location, inform the attendant that you intend to rent a Caixa Simples card, then you will need to fill out a traditional subscription form. The documents described must also be presented.
INSS retirees and pensioners also have the option of purchasing the card at the network's ATMs. Caixa customers can call 0800-726-0141 for more information about this process.
It is important that all information is clearly legible, as Caixa needs to validate the information provided when requesting the Caixa Simples card.
How to apply for the Caixa Simples card
It is currently not possible to apply for the Caixa Simples card online. Therefore, those interested in purchasing this product must go directly to the nearest Caixa Econômica Federal branch.
At the location, inform the attendant that you intend to rent a Caixa Simples card and then you will need to fill out a traditional subscription form. The documents described must also be provided.
INSS retirees and pensioners also have the option of purchasing the card at the network's ATMs. Caixa customers can call 0800-726-0141 to learn more about this process.
