Caixa credit card: how to apply and advantages

O credit card it is an amazing product for today. Hardly anyone lives without one of them. This is a secure payment method. And with the advantage of installment. Caixa is a traditional bank that offers several cards, from the simplest to the most sophisticated.

To keep up with the financial market, Caixa has been betting on its free mobile application, which allows quick access to many functions. Soon, you can check the limit, purchases, expiration date, invoice and much more on your smartphone.

How to use the Caixa credit card?

The use of this bank's credit card is very common with what happens with similar products. Therefore, it serves to spread the most expensive purchases over several months. The difference is that the Caixa Econômica Federal It is a very famous bank that gives security to the user.

This tradition also brings the advantage of choosing between several products. And the investment in a free mobile application that allows for various activities, such as queries and clarification of doubts. Locking and unlocking is made in the app, for example.

For the public that can request the most complete card, it also has the advantage of participating in a points program. The added score can be transferred to other programs, only for miles, such as Tudo Azul, Latam Pass, Smiles and Dotz, among others.

What is the best Caixa credit card?

Caixa is a bank that has several types of credit cards. Are many. Therefore, it is not always easy to know which one is best for you. Knowing this, the bank went there and created a kind of online card simulator. The goal is for the public to discover the best for everyday life.

So, just say what your current monthly income is (up to R$ 1,000 or more than R$ 15,000 among the options), in addition to the advantages you would like to have on the card (installments, points, assistance, etc.). From the answers, the best options on the market appear.

For example, those with a low income, less than the minimum wage, can apply for the Blue Card or the National Card. They have this characteristic: they do not require a high minimum income to be approved. It is worth simulating to discover the best product.

What is the Caixa card that does not pay an annuity?

Among so many products, the Sim card is Caixa's most interesting product today. And there's a good reason for that: it's a card without annuity. It is called a day-to-day card because it has all the basic functions of a traditional card that you can find on the market.

Through a mobile application, it allows the expense control, receiving free SMS, reduced interest rates, invoice by email, payment in up to 24 installments and much more. To hire is very easy, just the personal data, see below.

Not to mention that the approved holder can request an additional card to present someone, such as children, husbands, wives and mothers. Thus, all purchases will come in a single invoice, which must be paid by the due date so as not to generate interest or fines in the next payment.

What is the Caixa Econômica credit card limit?

While we have seen that there are cards that do not require proof of income high, know that they also don't release much credit limit. By the way, this will depend a lot on the income and the relationship you have with that bank.

For example, those who can prove a high income, above R$ 15,000 in the month, have the chance to apply for the Black, Infinite or Nanjing card. These are the top cards in Caixa and with even higher limits. In addition, they have points programs.

In general, Caixa offers good limits only to older customers. Since those who do not have a checking account there will rarely get a high credit limit. However, it can increase as invoices are paid.

How do I get a Caixa credit card?

To get a Caixa credit card, just follow all the recommendations given in this text. From choosing the ideal product to creating a good relationship with the bank, which will be decisive for its approval.

After that, if you meet the requirements, here comes the next steps, which have to do with the request itself. For those who already have a debit card, the chance to apply for a credit card is simpler, as it can even be done through the bank's app. By the way, remember we talked about the online simulator earlier?

So, it might be a good idea to simulate on the official page before ordering the card. Also, those who do not have an account at Caixa and want to apply for the card will need to follow other steps. Below, we will mention all the important steps to make this card application official. Keep reading to find out the details.

How to apply for a Caixa Econômica credit card?

Anyone who is a bank customer can order the card through the application or by talking to the account manager. The analysis will be shorter because all registration is already done. Including, the bank has a history of account handling, which helps a lot for the bank to approve your request.

For those who are not yet customers, there are other steps that are important. This is because the bank can even approve your request, but it will be necessary have a good financial score, which has to do with paying bills on time and having a good monthly income.

There are also rules with reference to the market. However, only people over 18 can apply for a credit card. And anyone over 16 can already have an additional one, but then they will need a holder with the approved product, as a legal guardian.

What is the interest rate on the Caixa credit card?

The interest rate is charged when there is a delay in the payment of the invoice. Among several alternatives, the person can opt for revolving credit, which is one of the simplest and most expensive, too. In the case of Caixa, it is above 10% per month, for example.

Only this rate will depend on the analysis what the bank does. Thus, those who have more restrictions end up paying more. And, therefore, it is always worth the tip of not delaying the invoice. Therefore, a good idea is to use the card consciously and with installments that enter the budget.

In addition to late interest, there is also a fine, which is common in all banks, at 2%. And there is an additional 1% of interest on arrears, which is charged monthly. The amount is paid proportionally according to the days of delay after the due date of the invoice.

Other Caixa card fees

Not counting the interest rate, there is another rate that is very important to take into account, the annuity. As we have seen, the SIM Card is exempt from it, but most others are not. The most basic ones, for example, cost R$ 135 per year, a value that can be divided into 12 installments.

Additional cards may have a reduced cost of 50%. A more expensive card, such as the Black da Caixa card, can be worth R$ 921 per year. This annuity can also be paid in 12 months, however, it still requires care from the user.

If compared to other banks, Caixa cards have a higher cost. Especially because in the market it is possible to find cards without annuity and with a score, which makes Caixa's product not very advantageous in terms of cost-benefit.

How to contact Cash

Anyone who wants to ask questions, in addition to the website and application, can also use the oldest means of communication for this purpose. For example, the telephone call center, which is 4004-0104 for capital cities or 0800-104-0104 for other regions. For those abroad, the number is the +55-61-2106-0999.

Caixa Econômica Federal is registered with CNPJ 00.360.305/0001-04. It is nicknamed as CEF, being Caixa Econômica Federal. The headquarter is in Brasilia, in the southern banking sector. The address is at Quadra 04, number 34. ZIP code for á is 70092-900. This is the address used for correspondence.