If you're looking for a simple, digital solution with a realistic chance of approval for a credit card, Will could be just what you need. Created by Will Bank, it's been attracting attention, particularly among those with average or low credit scores, as it's more affordable and offers an analysis that considers more than just your CPF (Individual Taxpayer Registry). But after all, How do I apply for a pre-approved Will Credit Card? That's what you're going to understand now.

Let's be honest: the Will card is real, free, and has become a gateway for many people who were struggling to get credit. It doesn't require a minimum income and works with Mastercard, being accepted in Brazil and abroad. And best of all, the entire application process is online, via your phone.

What is the Will Card and why are so many people asking for it?

Will is a credit card with debit and credit functions, issued by Will Bank, a Brazilian fintech company that has distinguished itself with its focus on financial inclusion. It has a modern design, is entirely managed via an app, and promises to simplify the lives of those who have always been denied credit by traditional banks.

One of the reasons that most attracts new users is precisely the fact that Will approves many people with scores below 700. Of course, not everyone is accepted, but the likelihood of getting the card, even with a recent clean credit history or limited credit history, is higher than with other institutions.

How do I apply for a pre-approved Will Credit Card via cell phone?

The good news is you don't have to go anywhere to order yours. The entire process can be completed in minutes. See the step-by-step guide. How to apply for a pre-approved Will Credit Card:

  • Download the Will Bank app on the Play Store (Android) or App Store (iPhone).
  • Create your free account. You must provide your CPF, full name, email address, cell phone number, and a selfie.
  • Wait for the initial analysis, which may last a few hours. You will be informed by email or notification.
  • If approved, you will see the option to activate the credit card within the application.
  • That's it! Now just wait for your physical card to arrive and start using the virtual one through the app.

The virtual card can be used as soon as the credit function is activated, including for online purchases and to register with Google Pay or Apple Pay.

Is there a guaranteed minimum limit?

Yes, if your CPF is approved for credit, you'll start with a minimum limit—usually starting at R$$ 200. This amount may seem low at first, but Will usually increases the limit over time, based on your usage and on-time payments. Many users report significant increases within the first six months of use.

This is very important: unlike some banks that only offer debit functions for those with a bad credit history, Will gives you the chance to start with real credit, even if the initial limit is small.

What increases the chances of approval?

If you want to know How to apply for a pre-approved Will Credit Card and increase your chances of being accepted, it is worth following some tips before applying:

  • Keep your CPF clean, with no outstanding debts in credit bureaus (Serasa, SPC).
  • Update your registration data in the main databases, such as Serasa and Boa Vista.
  • Avoid opening too many accounts too quickly. This can lower your score.
  • Keep track of recent financial transactions, such as PIX, transfers, salary receipts, or debit purchases.

Additionally, Will assesses a user's financial behavior more broadly, not just their credit score. This means you can get approved even without a credit card history, as long as you don't have any outstanding balances.

Is it worth applying for the Will Card?

This is a common question among those who are researching How to apply for a pre-approved Will Credit CardAnd the answer is: for most Brazilians who need a simple card, with no annual fee and more affordable approval, yes, it's worth it.

The app is lightweight and intuitive, and offers all the necessary features: digital invoices, limit control, card blocking and unblocking, contactless payments, and efficient support. It also allows you to generate a boleto to top up your balance or pay bills, making life easier for those still organizing their finances.

Additionally, the card is international and comes with all the benefits of the Mastercard brand, including purchase protection, the Mastercard Surpreenda program, and use in apps like Uber, iFood, Netflix, and others.

Who can apply for the card?

Anyone over 18 with a valid CPF (Individual Taxpayer Registry) registered with the Federal Revenue Service can apply for the card. No minimum income or proof of income is required. The process is digital and free. But be careful: even if the Will account is opened, the credit function may require a second review.

Many users start out using only debit and, after a few days or weeks, receive a new credit offer in the app. Therefore, it's worth keeping your account active and active.

Is the card really approved immediately?

The answer is: in many cases, yes. In others, it takes a few hours or even a day. It depends on the number of requests and the automatic profile analysis. But what sets Will apart from many banks is that it doesn't leave users in the dark—you receive updates quickly via the app and email.

Additionally, even if you don't get immediate approval for the credit function, you can continue using the app and the card for debit. This can help increase your score and, in the future, make it easier to unlock the credit function.

Final tips for applying and getting approved

If your main question is How to apply for a pre-approved Will Credit Card, here is a direct and practical summary:

  • Download the official Will Bank app;
  • Fill in all data correctly;
  • Send a clear, well-lit selfie;
  • Keep your name clean and your bills paid on time;
  • Wait for the analysis to return and stay tuned for notifications.

Applying for the Will card is one of the most accessible options for those who want credit without hidden fees and complete autonomy through the app. The card has no maintenance fee, no annual fee, and offers more personalized service than large banks.

See also: Credit card for the unemployed

May 9, 2025