Being registered in SPC or Serasa doesn’t mean settling for tiny credit limits.

These five card options use alternative methods like secured deposits, store relationships, and prepaid-to-credit paths to offer substantial limits even for negatived customers, with some reaching R$ 10,000 or more.

#1: C6 Bank Secured Card – Up to R$ 50,000 Limit

C6 Bank’s secured card revolutionizes credit access by letting your investment become your credit limit.

How C6 Secured Works:

• You Control the Limit: Deposit R$ 1,000 to R$ 50,000

• 100% Approval: No credit check needed

• Keep Earning: CDB continues earning 100% CDI

• Full Credit Features: Works like regular card

C6 Secured Advantages:

• Immediate High Limit: Deposit R$ 10,000 = R$ 10,000 limit

• Build Credit History: Positive payments reported

• Graduation Path: Can convert to regular card

• No Risk to Bank: Your money guarantees payment

Real Examples:

• Business Owner: Negatived, deposited R$ 20,000

• Freelancer: R$ 5,000 CDB = R$ 5,000 limit

• Retiree: Used R$ 15,000 savings for limit

• Timeline: 6 months to regular card conversion

#2: Americanas/Submarino Card – Store Power Strategy

Major retailers often approve high limits based on purchase history, ignoring SPC/Serasa.

Retail Card Advantages:

• Alternative Analysis: Shopping history matters more

• Starting Limits: R$ 1,000 to R$ 5,000 common

• Quick Growth: Can reach R$ 10,000+

• Visa Conversion: Store card becomes full Visa

Americanas Strategy:

• Build History: Make cash purchases first

• Use Ame Digital: Payment app improves profile

• Apply In-Store: Higher approval than online

• Holiday Seasons: More lenient approval

Success Stories:

• Regular Shopper: R$ 3,000 initial despite negative

• Black Friday: R$ 5,000 limit for negatived customer

• Long-term: Reached R$ 12,000 after 1 year

#3: BMG Card for Retirees – Guaranteed Approval

Banco BMG specializes in credit for retirees and pensioners, approving high limits regardless of credit status.

BMG Special Features:

• INSS Guarantee: Pension secures payment

• High Limits: R$ 3,000 to R$ 15,000

• Age No Barrier: 60+ years welcomed

• Negative Status Ignored: Income matters only

BMG Requirements:

• Proof of Benefits: INSS or pension statement

• Stable Income: 6+ months receiving

• Consigned Option: Direct deduction available

• Quick Process: 48-hour approval

Typical BMG Limits:

• Minimum Pension: R$ 3,000-5,000 limit

• Average Retiree: R$ 7,000-10,000

• Higher Benefits: R$ 15,000+ possible

• Military/Federal: Even higher limits

#4: PagBank Credit Builder – Prepaid to High Credit

PagBank’s unique system allows negatived users to build substantial credit limits over time.

PagBank Evolution Path:

• Start Prepaid: No credit check required

• Build History: 3-6 months prepaid use

• Credit Invitation: Algorithm offers credit

• Growing Limits: R$ 500 to R$ 8,000+

Maximizing PagBank:

• High Volume: Load R$ 2,000+ monthly

• Bill Payments: Shows financial responsibility

• Consistent Use: Daily transactions help

• Merchant Variety: Diverse spending profile

Real Progressions:

• Month 1-3: Prepaid only

• Month 4: R$ 1,000 credit offered

• Month 8: Increased to R$ 3,500

• Year 1: R$ 5,000-8,000 achieved

#5: RecargaPay Guaranteed Card – Bill Payment Leverage

RecargaPay converts bill payment history into credit access with surprising limits.

RecargaPay Unique Model:

• Bill History: Uses utility payment data

• No SPC Check: Internal scoring only

• Quick Limits: R$ 1,000 to R$ 5,000

• 5% Cashback: On bill payments

Building High Limits:

• Pay Everything: Utilities, phone, internet

• Monthly Volume: R$ 2,000+ in bills

• Perfect Record: Never miss payments

• Time Factor: 6 months to high limits

Typical Journey:

• Active User: Paying bills 6 months

• First Offer: R$ 1,500 credit line

• Continued Use: R$ 3,000 at month 9

• Maximum: R$ 5,000-7,000 possible

High Limit Options for Negatived

Card	Method	Potential Limit	Requirements
C6 Secured	Deposit	Up to R$ 50,000	CDB investment
Americanas	Store loyalty	R$ 1,000-12,000	Purchase history
BMG	Pension	R$ 3,000-15,000	Retirement income
PagBank	Prepaid path	R$ 500-8,000	6+ months use
RecargaPay	Bill history	R$ 1,000-7,000	Payment record

Strategies for Negatived High Limits

Immediate Options:

• Secured Cards: Fastest path to high limits

• Store Cards: Leverage shopping relationships

• Pension-Based: If receiving benefits

• Investment Backing: Use savings as guarantee

Building Over Time:

• Start Small: Accept initial offers

• Perfect Payments: Critical for growth

• Multiple Relationships: Try 2-3 options

• Document Everything: Keep payment records

Alternative Solutions

Creative Approaches:

• Family Addition: Authorized user on relative’s card

• Business Cards: CNPJ sometimes easier

• Prepaid Loading: High-volume builds trust

• Payment Apps: Build alternative credit

What to Avoid:

• Loan Sharks: Extremely high interest

• Fake Promises: No miraculous approvals

• Multiple Applications: Damages profile further

• Cash Advances: Makes situation worse

Reality Check

Understanding “High Limit”:

• Negatived Reality: R$ 5,000 is considered high

• Building Takes Time: 6-12 months typical

• Secured Fastest: Immediate but requires capital

• Patience Pays: Gradual growth sustainable

Conclusion

While traditional high limits remain challenging for negatived customers, these five options provide real paths to R$ 5,000 or more in credit access.

Whether through secured deposits, store relationships, or alternative scoring, negatived Brazilians can access substantial credit limits with the right strategy and patience.

The key is choosing the method that matches your current resources and building consistently toward financial recovery.