Is your name on a negative credit list, but you need a reliable credit card with no annual fee and complete control through the app? Know that... Banco Inter This could be a viable option for you. With a focus on financial inclusion, Inter has been offering accessible solutions for diverse profiles, including those facing CPF (Brazilian taxpayer ID) restrictions.

In this content, we will explain How does the Inter credit card work for people with a negative credit history?, This explains what's needed to apply, how the bank analyzes the profile of someone with a negative credit history, and what alternatives you can use to obtain your credit limit. All in a direct, human, and straightforward way.

Can someone with a bad credit history get a credit card at Inter?

Yes. Having a negative credit history. does not prevent the opening of an account At Banco Inter, the bank doesn't automatically disqualify customers from the credit function. The bank conducts a profile analysis that considers... several factors besides the restriction, This includes account activity, usage history, declared income, and even salary portability.

Many customers are able to Open the account and receive the debit card normally.. The activation of the credit function can happen in two ways:

  • Immediately after opening the account, if the profile is approved.
  • After a period of use, with periodic reassessments performed by the bank's system.

How can I apply for an Inter credit card if I have a negative credit history?

See the complete step-by-step instructions to order yours:

1# Download the official Banco Inter app (Android or iOS).
2# Open your free digital account, providing your information and taking a selfie with your ID.
3# Wait for account approval, which is usually quick.
4# Go to the "Cards" tab and request the credit function. (if available).
5# If approved, the credit card can then be used virtually.. The physical copy is then sent to your address immediately, free of charge.

Important: If the credit function is not enabled initially, continue using your account. Inter analyzes your behavior over time and may enable the limit in the future.

How can I increase my chances of getting a credit limit approved even if I have a negative credit history?

If you opened your account and haven't yet had the credit function activated, here are some actions that can help change that:

  • Use the account frequently.Pay bills, make Pix payments, manage your balance.
  • Receive recurring salary or transfers. in the Inter account.
  • Avoid delays in other financial commitments..
  • Update your income in the app. whenever possible.
  • Request the card when the “Activate credit” option appears.” in the cards menu.

These actions help the bank's system identify you as an active and responsible customer, even if your previous history is still being reconstructed.

Does Inter offer credit cards with a guaranteed limit?

Unlike Nubank, which has the function of card with guaranteed limit, Inter doesn't yet offer this option directly. However, they usually release it. Lower thresholds as a form of entry., starting from R$100, which increase with time and proper use.

In other words, even with a negative credit history, it's possible to start with a small initial limit and, as the bank gains confidence in your credit behavior, receive automatic increases.

What are the benefits of the Inter credit card for someone with a negative credit history?

Even if you start with no credit or a small limit, the Banco Inter's credit card offers real benefits., including for those with a bad credit history:

  • Zero annual feeYou don't pay anything to have and maintain the card.
  • Virtual card available immediately after approval.
  • Accepted in physical stores and online.
  • Full control through the app, with limits, billing, and blocking options.
  • Cashback on purchases, depending on the plan chosen.
  • Possibility of increasing the limit with responsible use.

In addition, Inter offers a complete digital account with access to free transfers, investments, insurance, a marketplace, and other services.

Does Inter consult SPC/Serasa?

Yes, like most financial institutions, Banco Inter conducts a CPF lookup during credit analysis. However, the presence of restrictions it is not an eliminating factor. What matters most is your overall financial profile: account activity, payment history, in-app behavior, and other factors.

Therefore, even if the initial response is negative, it's worth continuing to use the account. Many users report that the credit function was enabled weeks or months after they started using the bank's services.

Is the Inter credit card worth it for people with a negative credit history?

Absolutely. Even for those who are still getting their finances in order, Inter offers:

  • One gateway to the credit market, with a real possibility of evolution.
  • A 100% digital environment, No hidden fees and everything is clear through the app..
  • The chance of Rebuilding your credit history responsibly..

Furthermore, Inter has a solid reputation, efficient service, and features that make life easier for those trying to regain control of their finances.

See also: Inter Personal Loan: simulate and apply

April 14, 2025