AND MEI (Individual Microentrepreneur), is with the negative name and needs one credit card to move your business? The good news is that more and more financial institutions are offering specific cards for microentrepreneurs, even those with restrictions on the CPF.
Today, banks like PagBank, Bank of Brazil, Santander, Itaú and until the XP Investments They have affordable alternatives, with differentiated analyses, options without consulting the SPC/Serasa and even with a guaranteed limit per investment.
Why Are Banks Offering Cards to MEIs with Bad Credit?
The number of MEIs in Brazil already exceeds 15 million, according to data from SebraeThis group drives the economy, generates revenue, and often keeps their businesses in good standing even when facing personal credit problems.
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Banks and fintechs noticed this growing demand and started offering financial products adapted to the reality of microentrepreneurs, such as:
- Cards with guaranteed limit per application;
- Prepaid cards with immediate issuance;
- Digital accounts for MEI with integrated credit;
- Partnerships with programs productive microcredit.
So, even with CPF restriction, you can obtain a practical, safe and efficient solution for making purchases, paying suppliers and boosting your business.
Types of Cards for MEI with Negative CPF
Below, you can see a comparison of the main types of cards available and who each one is best suited for:
| Card Type | SPC/Serasa consultation | Credit Release | Suitable for |
|---|---|---|---|
| Prepaid Card | No | Immediate | Those who are in a hurry and want to control expenses |
| Card with Guaranteed Limit | No | According to the value applied | Who has some money to invest? |
| Traditional Corporate Credit Card | Yes | More difficult with a negative CPF | Who has a clean record and good movement |
Top 5 Cards for MEI with Bad Credit
1. PagBank (PagSeguro)
- Type: Prepaid card and card with limit guaranteed by CDB
- Does it allow negative CPF? Yes
- Differentials: Profitability with credit guarantee; fast issuance
- Ideal for: MEIs urgently need to operate with credit
2. Bank of Brazil – Ourocard PJ
- Type: Traditional business card
- Does it allow negative CPF? Requires analysis, but a regular CNPJ counts as points
- Differentials: Access to credit for investment and microcredit
- Ideal for: MEIs who already operate a PJ account at the bank
- Type: Credit card integrated with digital account
- Does it allow negative CPF? Makes approval difficult
- Differentials: Exclusive app, loyalty program and solutions for companies
4. Santander MEI Account + Card
- Type: Credit card with personalized analysis
- Differentials: Prospera Program to support small entrepreneurs
- Ideal for: MEIs with constant movement
5. XP Companies
- Type: Card with guaranteed limit for CDB investment
- Does it allow negative CPF? Yes, if there is an active CDB
- Differentials: Investment + credit in the same product
Comparative Chart: Card Approval for MEI with Bad Credit
% estimated approval Prepaid Card █████████████████████ 100% PagBank ███████████████████ 95% XP Investimentos ██████████████████ 90% Banco do Brasil ████████ 45% Santander ███████ 40% Itaú ██████ 35%
Tips to Increase Your Chances of Approval
Even with a bad credit rating, you can improve your chances by following some good practices:
- Keep your Active CNPJ with no pending issues;
- Pay the DAS up to date and regularize your company's situation on the Entrepreneur Portal;
- Move your PJ account frequently — entries, exits and payments help generate history;
- Start with one prepaid card or with guaranteed limit;
- Invest in CDBs on platforms that offer a card linked to investment;
- Update your registration data in banks and digital platforms.
Is it Worth Having a Credit Card for MEI with a Negative CPF?
Yes, and a lot! With a MEI credit card in hand, even with a bad credit rating, you can:
- Pay for essential purchases for your business in installments;
- Subscribe to digital platforms and tools for management and sales;
- Separate your personal and business finances;
- Building a new credit history in the CNPJ and CPF;
- Have access to more comprehensive financial products in the future.
→ READ ALSO: Santander Car Financing with No Down Payment: What You Need to Know.