The Black card is one of the most desired and exclusive credit cards on the market. It is known for offering a series of benefits, such as a points program, access to VIP lounges at airports, travel assistance, among others. However, getting a Black card is not an easy task and is reserved only for people with a high purchasing power. Here at Coliseu Geek, we are going to cover some important points that you should take into account in order to get a Black card in Brazil.
Minimum Income
The first requirement to get a Black card is to have a high income. Generally, banks require the applicant's monthly income to be above R$ 10,000.00 to R$ 20,000.00 to be considered eligible for the Black card. In addition, income must be proven through documents such as payslips, income tax returns, bank statements, among others.
Credit history
Credit history is also an important factor when getting a Black card. Banks evaluate the applicant's credit history to see if he has a good payment history, without defaults or delays. Having a good credit history is essential to demonstrate to the bank that you are a good payer and can be considered a good customer.
Relationship with the Bank
Another important factor is the relationship with the bank. Having a high-volume checking account and other investments, such as investments in funds, stocks or real estate, can help demonstrate to the bank that you are a high-income customer with a good investor profile.
Focus on Consumption
Banks also assess the applicant's consumption. The greater the customer's consumption on the credit card, the more chances he has of being considered eligible for the Black card. Therefore, it is important to use your credit card responsibly and make purchases that are compatible with your income.
Bank Invitation
Another way to get a Black card is by invitation. Some financial institutions send invitations to customers who have a good relationship and a high consumption profile. If you receive an invitation to apply for the Black card, it is important to evaluate the conditions offered and compare them with other options on the market.
Getting a Black card in Brazil is not an easy task and requires a high purchasing power and a good credit history. It is important to have a high income, a good relationship with the bank, a positive credit history, responsible consumption and being open to invitations.
Evaluate the market options, research the conditions offered by the banks and choose the credit card that best suits your needs and financial profile.
