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Have you ever thought about having access to a high limit credit, even if you are a beginner in the financial world? The good news is that this is possible, as long as you choose the right card and adopt some strategies.
In this article, we'll show you how to identify the best cards for beginners, which are the most advantageous options, and what you can do to earn a higher limit from the start.
If you want to learn how to enter the world of credit cards on the right foot, keep reading and discover practical and safe tips to enjoy all the benefits without any headaches!
A card with a high limit is one that allows the user to spend a considerable amount per month, which can be useful for emergencies, larger purchases and accumulating points. But how do you know if the limit is really high?
The answer varies from person to person. For those just starting out, a limit of R$2,000 may already be considered high. Banks and fintechs analyze several factors before setting this amount: financial history, declared income, and even the relationship with the institution.
Having a good profile, even without a credit history, can help. Some institutions offer cards with a more generous initial limit, especially if you already have a current account or have a proven fixed income.
Some cards stand out for offering high limit credit even for those who are just starting out. The Santander SX card, for example, can release up to R$2,000 in credit limit with few requirements. C6 Bank usually analyzes your use of the digital account to define a good initial limit.
Another highlight is the Banco Inter card, which, in addition to having no annual fee, can grant an interesting limit for those who use the account frequently. Nubank, although it starts with low limits for many, allows for a quick increase with constant use and on-time payments.
Fintechs such as Neon and Will Bank have also gained ground by facilitating access to credit. They analyze the user profile in a more flexible way, which can be ideal for those who do not yet have a strong name in the market.
To conquer a good high limit credit First of all, the first step is to maintain a good relationship with your bank. Keep your account active, with frequent transactions and regular inflows of money.
Another tip is to avoid debt and keep your credit score clean. Having a reasonable credit score already helps a lot. Even if you have never had a card, a good payment history (such as electricity, water and cell phone bills under your CPF) can count towards your credit score.
Making good use of your available credit limit also helps: always pay your bill on time and, if possible, make advance payments. This shows responsibility and makes the institution understand that you can handle higher amounts safely.
Many people make simple mistakes that end up jeopardizing their credit limit increase. One of the most common is delaying payment of the bill. Even if the delay is small, it can negatively impact your reputation with the bank.
Another pitfall is to constantly use your card's full limit. This gives the impression that you are overly dependent on credit, which can put banks on alert. Ideally, you should keep your usage below 30% of the total limit.
Also, avoid requesting a credit limit increase too often. This can be interpreted as a sign of financial mismanagement. Wait for the bank to offer it or make a request with solid justifications, such as increased income or responsible use of current credit.
Start with a card high limit credit It’s not impossible — even if you’re a beginner. With the right tips and attention to detail, you can build a solid financial track record from the start and take advantage of the best options on the market.
Remember: choosing a card that suits your profile, maintaining good financial habits and avoiding common mistakes make all the difference in safely increasing your limit. Use the information in this article to your advantage!
Now that you know where to start, it’s time to put everything into practice and take advantage of the benefits of a good credit card. And if you want more tips on finances, keep following the blog. Your financial future starts with good decisions today!
