by Team AllYourVideogames | Aug 8, 2022 | Shopping |
How to apply for a credit card on Pagbank is one of the most common doubts when we talk about this digital bank.
From now on, we will show you how the process is, what are its main benefits, among other information.
The Pagseguro credit card is ideal for customers who wish to have an extra limit and even pay in installments for the purchases of their products and services.
It is free and without annual fee, so that the consumer can make virtual and in-person purchases in our country and abroad. Customers can also participate in the “Vai de Visa” Loyalty Program.
After reading this post, it will be easier to take advantage of all the advantages of this credit card, which is one of the most preferred by consumers. follow up.
Learn More: Méliuz credit card: how to apply?
What are the differences between PagBank cards?
Before showing you how to apply for a credit card on Pagbank, we will explain the differences between the modalities offered by the PagSeguro digital wallet.
The first alternative is the prepaid card. It is an option in which the customer has control of their expenses. You define how much you want to consume and top up the amount.
If you run out of money, just top up to make new purchases.
The account card is an international option and does not contain hidden fees and charges at the end of the month. With this modality, the customer can use the balance available in the PagBank digital account to make purchases and payments.
The PagBank credit card is also another possibility offered to customers. It contains a limit for making installment purchases. Unlike other options available in the market, it does not charge an annual fee.
It's a great benefit that guarantees more savings for your pocket.
How does the PagBank credit card work?
There are no mysteries regarding the functioning of the PagBank credit card. The dynamics is similar to the other versions that are available in the market.
Customer expenses generate an invoice that the user defines which is the best due date.
The positive point is that the customer can pay the invoice using the balance of their PagBank account or a bank slip, like any other financial institution.
In this scenario, the PagBank credit card also offers consumers a limit, which is the maximum amount that the user can use to make new purchases of products or services, either in installments or in cash.
When citing purchases, it is essential that the reader knows that the PagBank credit card belongs to the Visa International brand.
This allows the consumer to make purchases not only in our country, but also abroad. The benefit is also valid in virtual stores that operate outside our country.
Customers who have their credit card can also participate in the Vai de Visa Program. Without a doubt, it is one of the best alternatives on the market. After all, you can buy products, tickets and even hotel accommodation at great discounts.
Another positive point is that the credit card allows the customer to subscribe to digital services such as GloboPlay, Netflix and Spotify, in addition to being able to use applications such as Uber and 99.
In summary, the credit card is indicated for people who want an extra limit to purchase products and services with installments, both in acquisitions in our country and abroad.
How to apply for a credit card on Pagbank?
After finding out what the card is, how it works and what its benefits are, let's understand better how to apply for a credit card on Pagbank? The process is simpler than it looks.
Anyone who is already a consumer and has a pre-approved credit card must access the Pagbank app. In it, you must select the Cards menu and tap on “PagBank credit card”. Then click on “Order my card”.
Afterwards, the user will be forwarded to the alternative “Change of address”, which will only be used to confirm the location where the card will be sent.
Ready, just wait for the card at your residence. It never hurts to remember that shipping is free.
Why can't I apply for a credit card?
Even with our tips for you to learn how to apply for a credit card on PagBank, some customers may not be able to apply for a PagBank credit card.
This is because it is authorized according to the team's internal analysis. After all, it is not available to all consumers, but any user can improve their chances of approval.
An interesting tip is to use the services that are available in the PagBank application. Among the most common are: salary portability and investments in CDBs.
I don't have a credit card, now what?
If you don't already have the option to apply for a credit card, don't despair. It is possible to have access to the PagBank account card, without undergoing a careful analysis. To receive it at your home, just be a PagBank consumer.
In this alternative, the customer does not need to worry about fees, invoices or limits, since everything purchased is debited directly from the PagBank digital account balance.
The account card contains similar benefits to the credit card. In it, you can make withdrawals in the Banco24Horas networks and purchases in virtual stores in our country and abroad.
However, there is a difference: the customer chooses the cash payment alternative, however, the amount will be deducted immediately, as with a debit card.
It is essential to make it clear that the customer will not be able to make purchases in installments. However, you can use your PagBank account card to contract digital services and use applications, as with a traditional credit card.
So the customer can have both the PagBank account card and the credit card at the same time.
There is no restriction on the number of Pagbank cards that a user can acquire. So, it is allowed to have both alternatives in the portfolio and define which one is the most suitable for making your acquisitions.
Is the Pagbank credit card reliable?
Yes. He belongs to the PagSeguro digital bank, one of the most important in the market.
On the Reclame Aqui website, for example, it contains a great evaluation by consumers. In August 2022, the consumer rating was 8.0 out of 10. According to the platform, the company has good credibility in the market.
Envelope or Pagbank
This is PagSeguro's digital bank. It is an online and free account. It is available on Android and iPhone (iOS).
The super app brings several benefits to the consumer, such as: paying bills and slips and receiving money in a simple and practical way. It does not charge consumer fees and registration can be completed in a few minutes.
PagBank is a free account for various types of customers, that is: individuals and legal entities. Consumers are entitled to several free services, such as: international card, 24-hour bank withdrawal, bank transfer (TED) to any bank, cell phone recharge, among others.
Did you realize that learning how to apply for a credit card on Pagbank is simpler than it looks? So, follow our tips and enjoy all the benefits that are offered to customers.
After discovering how to apply for a credit card on Pagbank, get to know the Platinum Nubank card. Another interesting possibility for your financial planning.