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Discover Now How to Get One Credit card and Increase Your Limit Quickly: A Practical Guide for Beginners

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At first, have a credit card can be a great ally in organizing your financial life.
However, many people still have difficulty in get approval or increase the available limit.
So, if you're looking for a practical, safe, and affordable solution, this article will help you understand each step.

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So, find out how to get a credit card, which banks and apps offer good options, and mainly, how to boost your limit without falling into traps.

How to get a credit card even with a low score?

First of all, you need to know that there are cards for different profiles.
Even if you have dirty name, low income or little credit history, there are viable options on the market.

1. Start with the easiest cards to approve

Of course, not everyone will get a Nubank card with a R$ 5,000 limit right away.
So start with easy-to-approve cards, such as:

  • Will Bank Card
  • Neon Card
  • Inter Card
  • PagBank Card

They all accept direct registration through the application, with quick analysis and no bureaucracy.

2. Use apps that don't require proof of income

After all, many apps today use data on your financial behavior (PIX, account balance, paid bills) to release credit.

So, access the links below and test the options:

How to increase your credit card limit?

Then, once you get your card, the goal is clear: have a higher limit.
However, there's no point complaining to the bank if you don't show signs that you can spend more responsibly.

See some attitudes that help increase your limit:

✅ 1. Use the card frequently

After all, banks increase the limit for those who use and pay correctly.
Even if it's for small purchases, spend and pay the full amount.

✅ 2. Always pay on time

Certainly, delaying your invoice undermines your credibility.
Therefore, never be late payment and avoid high installments.

✅ 3. Avoid using the entire limit

However, using 100% of the available limit poses a risk to the bank.
So, try keep usage between 30% and 60% of the total value.

✅ 4. Increase your movement via digital account

If your card is linked to a digital account (such as Nubank, Inter, or PagBank), make changes to the account.
In other words, use PIX, receive salaries, and pay bills through it.
The greater its volume, the more confidence the bank will have to release a higher limit.

✅ 5. Ask for a manual raise (but with strategy)

Finally, in many apps, you can request a manual raise.
For example:

  • At the Nubank, go to “My Limits” and click on “Request new limit”
  • At the Inter, go to “Cards > Request limit increase”

However, only request it if your invoice is paid, has been used recently and there are transactions in your account.
Otherwise, the denial may take a while to be reversed.

What is the best card to start with a higher limit?

Just as each person has a different profile, cards also fit specific profiles.

Ideal cards for those who want a higher limit right from the start:

  1. Trigg
    • Easy application
    • Accepts those with a clean record and regular activity.
    • Limits from R$ 1,000
  2. C6 Bank
    • Complete digital bank
    • It has a points program
    • Limit increase based on usage
  3. Nubank Ultraviolet (for those with more income)
    • Premium card
    • Cashback program
    • Limits above R$ 5,000

However, start with the basics if your score is low, and progress as your record improves.

Avoid pitfalls: what not to do with your card

Despite the facilities, the credit card can turn into a nightmare if misused.
So, follow these golden rules:

  • ❌ Never pay your bill in installments if you don't need to.
  • ❌ Avoid long installment purchases (more than 6x)
  • ❌ Don't spend more than you earn
  • ❌ Don't ask for too many cards (this lowers your score)

After all, financial responsibility is what most helps you achieve and maintain good credit limits.

Conclusion: everyone can have a card, but not everyone knows how to use it.

In summary, getting a credit card is possible for anyone today, even with little name or income.
However, having a high limit requires smart use, patience and good track record.

So, start with the basics, use the recommended apps, manage your accounts and, most importantly, pay your bills on time.

After all, credit is a powerful tool — but only in the hands of those who know how to use it.

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