A partir deste mês, a Caixa Econômica Federal inicia o lançamento de seu cartão exclusivo para crédito consignado.Em parceria com a bandeira Elo, a nova modalidade do banco social é voltada para a população mais carente, de forma a popularizar e oferecer acesso ao crédito de baixo custo.
O cartão de crédito consignado não exigirá consulta ao Serviço de Proteção de Crédito (SPC) e Serasa. A contratação poderá ser feita pela internet, sem necessidade do cliente dirigir-se até uma agência. Também não será cobrada anuidade.
Quanto aos juros, a taxa será menor que as praticadas atualmente no mercado. Os valores, de acordo com Pedro Guimarães, presidente da estatal, devem ficar em torno de 1% a 2,5%.
Lançamento em etapas
O lançamento do cartão de crédito consignado da Caixa será realizado em quatro fases. Na primeira, que ocorre agora em abril, o cartão estará disponível apenas para aposentados e pensionistas do INSS.
Na segunda fase, que ainda não tem data definida, serão contemplados os funcionários da Caixa Econômica. Depois, serão os servidores públicos e em seguida, na quarta fase, os empregados de empresas privadas.
Como a bandeira Elo, o cliente do crédito consignado da Caixa tem o conforto de poder utilizar o cartão em lojas físicas e virtuais, no Brasil e exterior.
Fonte: Edital Concursos Brasil
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