Being registered in SPC or Serasa doesn’t mean living without credit cards.

These six options use prepaid systems, secured deposits, or alternative analyses that completely ignore traditional credit restrictions, offering real solutions for negatived Brazilians.

Card #1: PagBank Prepaid Card – Instant Approval Guaranteed

PagBank’s prepaid card approves everyone immediately, regardless of credit status, with paths to build credit.

Why PagBank Works for Negatived:

• Zero Credit Check: No SPC/Serasa consultation whatsoever

• Instant Digital Card: Use online immediately after registration

• Physical Card Option: Receive branded Mastercard at home

• Credit Building: Good usage can lead to credit limit offers

PagBank Smart Features:

• Load Multiple Ways: Bank transfer, boleto, or deposit

• Bill Payments: Pay any bills earning cashback

• Free Transfers: Send money to any bank without fees

• International Accepted: Works on any site accepting Mastercard

Card #2: Superdigital Card – Santander’s Inclusive Option

Santander created Superdigital specifically for financially excluded Brazilians, including those negatived.

Superdigital Advantages:

• Santander Backing: Major bank security with fintech flexibility

• No Background Check: Approves negatived customers instantly

• Free Account: No monthly fees or minimum balance

• Cashback Program: Earn money back on purchases

Superdigital Benefits:

• Immediate Use: Virtual card available in minutes

• ATM Access: Withdraw cash at Banco24Horas

• Contactless Payments: Use with Google Pay and Samsung Pay

• Credit Potential: Regular use may unlock credit features

Card #3: RecargaPay Prepaid – The Bill Payment Specialist

RecargaPay transformed from app to financial solution, offering cards without credit analysis.

RecargaPay Unique Features:

• 5% Cashback: On phone recharges and utility payments

• No Questions Asked: Approves any CPF with basic data

• Multiple Cards: Virtual and physical options available

• Credit Journey: Prepaid users get priority for future credit

RecargaPay Strategy:

• Start with App: Use for bill payments before requesting card

• Build History: Regular usage improves internal profile

• Refer Friends: Earn bonuses while helping others

• Graduate to Credit: Many users receive credit offers within months

Card #4: C6 Bank Secured Card – Your Money, Your Limit

C6 Bank’s secured card uses your own deposit as guarantee, making approval certain for everyone.

C6 Secured Solution:

• 100% Approval Rate: Deposit equals credit limit guaranteed

• Keep Earning: CDB investment continues earning interest

• Choose Your Limit: Deposit R$ 300 to R$ 50,000

• Build Credit History: Positive payments reported to bureaus

C6 Investment Benefits:

• Double Benefit: Earn CDI returns while spending

• Gradual Release: Good payment history may unlock deposit

• Premium Features: Access C6’s full banking platform

• International Card: Full Mastercard benefits included

Card #5: Neon Prepaid Card – The Digital Alternative

Neon focuses on financial inclusion with prepaid solutions for negatived customers.

Neon Accessibility:

• Simple Requirements: Just CPF and selfie for approval

• Instant Activation: Start using in under 5 minutes

• No Credit Analysis: Past problems don’t affect approval

• Modern Features: Full digital bank experience

Neon Platform Benefits:

• Fee-Free Structure: No surprises or hidden costs

• Investment Options: Access to CDBs and savings

• Virtual Cards: Create multiple cards for online safety

• Future Credit: Prepaid users first in line for credit products

Card #6: Mercado Pago Card – E-commerce Giant’s Solution

Mercado Livre’s financial arm offers immediate prepaid cards with powerful features.

Mercado Pago Strengths:

• Ecosystem Integration: Perfect for Mercado Livre purchases

• Instant Approval: No waiting or credit verification

• Cashback Rewards: Earn on every purchase made

• QR Code Payments: Lead Brazil’s payment revolution

Mercado Pago Advantages:

• Multiple Load Options: Boleto, transfer, or cash deposits

• Investment Features: Money earns while in account

• Credit Line Potential: Good users receive Mercado Crédito

• Wide Acceptance: Mastercard accepted globally

Negatived Credit Card Options

Card	Type	Approval Time	Best Feature
PagBank	Prepaid	Instant	Credit building path
Superdigital	Prepaid	5 minutes	Santander backing
RecargaPay	Prepaid	Immediate	5% bill cashback
C6 Bank	Secured	Same day	Earns interest
Neon	Prepaid	5 minutes	Digital features
Mercado Pago	Prepaid	Instant	Marketplace integration

Making Prepaid Cards Work for You

Maximizing Prepaid Benefits:

• Regular Loading: Consistent deposits show financial stability

• Diverse Usage: Use for various purchases to build profile

• Pay Bills: Many offer cashback on utility payments

• Avoid Fees: Understand fee structure to maximize value

Path to Regular Credit:

• Build Internal History: 6-12 months of good usage

• Increase Activity: Higher transaction volume improves profile

• Clear Old Debts: Work on removing negative status meanwhile

• Multiple Relationships: Use several platforms simultaneously

Important Considerations

Prepaid vs Credit Differences:

• No Credit Line: You can only spend what you load

• No Installments: Most don’t allow parcelado purchases

• Loading Fees: Some charge for adding money

• Limited Rewards: Fewer benefits than premium credit cards

Security and Protection:

• Same Protection: Mastercard/Visa protection applies

• Fraud Coverage: Report unauthorized charges immediately

• App Security: Enable all security features

• Separate Funds: Don’t load entire savings

Conclusion

These six card options prove that negative credit status doesn’t mean financial exclusion.

Whether through prepaid solutions or secured options, you can access electronic payments, build financial history, and work toward traditional credit.

Choose the option that best fits your needs and start your financial recovery journey today.