According to a survey carried out in 2020, more than 130 million cards were issued in Brazil. One of the main reasons for the democratization of “plastic money” is the recent proliferation of digital banks in our territory.
Create increasingly fierce competition to provide customers with the best solutions so they don't lose out to the competition. Despite the positive side, many customers get lost in all these avalanches of benefits, and even taking advantage of them can be confusing.
To make your life easier with card problems, we created a complete guide for you to understand them!
What is a GOLD Card?
One of the first cards that people received were international models, and they had basic functionality to basically understand people's spending patterns.
What does it do to get a gold card? Quite simply, the bank starts recording spending patterns on your CPF as a way of keeping it on your CPF and provides the first benefit.
So, for a gold credit card, the sufficient income comes from 2000 reais, with a maximum annual fee of 300 reais, so that you don't compromise your purchasing power and use as much as you want.
→ Apply for a high-value credit card! Click here to see, no minimum income requirement!
Gold Card Benefits
If you are thinking about the main things you can do with it, the main operations are:
- With the loyalty program, accumulate the first points from charges on your card.
- Replacing a card with a new one is easy.
- Travel and vehicle insurance.
- Emergency withdrawal, responsible for releasing up to the limit as withdrawal in case of emergency.
- Extended warranty
- Simple price protection for your foreign currency purchases.
Many of them may vary from bank to bank. However, all of these are competing for consumers' attention. Over time, they began to offer services that were not yet available on the platform.
What is a Platinum Card
Now that you know the Gold Card and its benefits, it's time to move on to the Platinum Card.
Therefore, to achieve this objective, some experts give the following instructions: “6000 reais income per month”.
However, it is worth noting that each bank has its own method of calculating the probability of offering a card to a customer. Consider the differences between institutions.
Although relatively high by Brazilian standards. Platinum is already used by thousands of citizens who can pay an annual fee of 400 reais, depending on the issuing bank.
Platinum Card Benefits
If the platinum card makes your eyes shine, the following points can further stimulate your consumer spirit, see:
- Concierge service for your trip.
- It offers more personalized service for you to resolve possible problems or seek support.
- Loyalty programs are more complete, with more rewards per dollar spent than gold resources.
- There is even insurance for vehicles rented through rental companies.
- Health insurance for the entire duration of the trip.
- International offers, plus purchase protection and the price you pay for the product or service.
What is a Black card?
Platinum is not the limit, it's time to learn about one of the cards that humans desire most.
Also known as Infinity, it can open doors for you to use your cards however you want.
However, to enter this group, first understand that it is very restricted, mainly because the income needs to be around 15,000 reais and an annual fee of around 1,200 reais can be paid.
There are 1,000 points, in addition to requiring a Serasa score of at least 800 points up to the limit.
A very common question that people have is about the black card limit, does it exist or not? The answer depends on the situation. Normally the limit is from 10,000, however, some agencies may offer you a limit without a pre-determined limit.
→ Apply for a high limit credit card! Click here to see cards with no minimum income requirement!
Advantages of the Black card
Ready to discover all the advantages that await you? Then check out the following benefits:
- Boingo Wi-Fi uses the internet in many places.
- Differentiated services for hotels and resorts.
- VIP space, reserved at the airport, traditional lounge key.
- Schengen Charter.
- Special services are often a priority over other means.
- Concierge.
- Exclusive travel experiences with some credit card brands.
- Price and purchase protection.
Like all forms, this may vary in some companies. Therefore, check out the main banks that issue credit cards in the country to better decide which credit card you need to sign up for.
Top 10 card issuing banks
If you do not have a bank registered in your name, or are planning to switch to one that offers more benefits to consumers, see the list below:
- Inter bank
- Nubank
- Bank C6
- BMG
- Neon
- Pan Bank
- Next Bank
- Santander
- AgiBank
- Original Bank
After seeing this, an interesting step is to delve deeper into the main options to reach your profile. Breaking them down into one variant or another can be an excellent way to reap the benefits. In addition to having a good credit card service, this can help you too.
It can help maintain your Serasa score, after all, fewer credit requests on your CPF may not change your score, which is one of the main indicators of bank approval limits.
After seeing this, an interesting step is to delve deeper into the main options to reach your profile. Breaking them down into one variant or another can be an excellent way to reap the benefits. In addition to having a good credit card service, this can help you too.
It can help maintain your Serasa score, after all, fewer credit requests on your CPF may not change your score, which is one of the main indicators of bank approval limits.
A card can be an ally or an enemy in your financial management, so when the situation gets out of control, review the points and try to stop using the credit card if necessary.
This way, you avoid one of the most common problems, the snowball of recurring interest that affects your invoices.
Remember, for good reason, these rates are the highest rates for connecting consumers and extending payments, but they don't force people to default.
So, the best way to protect yourself from the negative and enjoy the positive is through information, so share this article on social media so that more people know everything about these three ways.
