This is one of the two main consumer evils, especially for someone who has just had unexpected expenses and has to delay payment of the letter, for example. In situations like this it is important to know that the credit cards with minors are available on the market.
It is important to pay attention to a multitude of details to be sure that you are doing a good business. Makes sense, let's do this analysis for you and we are drawing up a list of the best cards.
A LIST OF CREDIT CARDS WITH JUROUS MINORS
To make it even easier, we divide the list into 2: general cards and cards that do not charge annually.
General list of credit cards with legal minors
| Bank | Credit Card | Jurus ao ano |
| Interbank | Gold, Platinum and Black | 79,59% |
| Itaú | Itaucard Master Black e Multiplus Visa Infinite | 92,59% |
| Banco do Brasil | Ourocard Master Black and Visa Infinite | 105,59% |
| Citi | Black | 136,32% |
| Caixa Econômica Federal | Elo Nanquim, Masterblack and Visa Infinite | 151,82% |
| Santander | Advantage Black | 171,82% |
It is important to note that, with the exception of Banco Inter, all of these charge annually for their clients, thus, they are only able to pay lower legal taxes than those companies that do not charge this tax.
For this reason we separate the two categories, see below
Taxes on credit cards that are not collected annually
| Bank | Credit Card | Jurus ao ano |
| Interbank | Gold, Platinum and Black | 79,59% |
| Digio | – | 249,47% |
| Credicard | Credicard Zero | 290,52% |
| Nubank | – | 385,16% |
| Hipercard | – | 588,94% |
Perhaps you have been surprised by the value of two cards that do not charge annually, therefore, it is known that this is, basically, the only way to generate these cards for companies.
It is also valid to note that these taxes only affect those individuals who make full payment of their bill. As such, having an unannounced card may still be the best deal for you.
How does it work when you swear on your credit card?
Also called revolving credit, this is a taxation so that you do not want or cannot remove the total value of the invoice in a certain month. Here, it is also taken into consideration that the individual has the interest of removing this division soon.
Thus, any value not paid must be financed and added to the next invoice, this is because in cases 100% two cases the financing conditions are much more advantageous than late.
SAIA DO ROTATIVO DO CARTÃO DE CréDITO
If you constantly see this situation, it is common that your credit card is constantly under limit and you cannot spend the minimum amount to pay for the annuity.
In this case, your credit card is not advantageous for you. The best thing to do is to cancel this card and negotiate the remaining division. Once the division has been taken away, it is time to bet on a weekly credit card and start controlling your expenses right away.
Most of these cards offer an application, so keep an eye on the fact that you are spending money and it is not a problem. Therefore, always keep in mind that the tax rates of these cartões are very much older, therefore, by constantly delaying these invoices, you will enter into a ball of even greater snow.
We hope you have enjoyed our tips on credit cards with minors and continue following our blog for more tips on credit and how to take these tips for your financial life.
See you in the next text, more! 😀