The Casas Bahia credit card is an excellent option for those who want to not only make purchases at the chain of stores, but also enjoy exclusive benefits that can make their purchases even more advantageous. In addition, the card offers payment facilities, such as long-term and interest-free installments, which is ideal for those seeking financial flexibility.
With it, you can make purchases both in physical stores and on the website, and also enjoy benefits in other establishments due to its wide acceptance. Below, we will cover in detail the entire process of applying for the card, the main advantages and the points you should consider before opting for this financial solution.
So, keep reading to find out everything you need to know to apply for your Casas Bahia credit card quickly and easily.
Advantages of the Casas Bahia credit card
Exclusive discounts and easy installments
When you purchase the Casas Bahia card, you immediately gain access to exclusive discounts on store products. In addition, you can pay for your purchases in up to 24 installments, making financial planning easier.
Compared to other cards, the Casas Bahia card offers more advantageous conditions, especially for those who already make frequent purchases on the network.
Loyalty program and additional benefits
With the card, you also participate in the points program, accumulating benefits with each purchase. These points can be exchanged for products or discounts, which increases the value of your purchases.
Additionally, you can take advantage of exclusive promotions and participate in sweepstakes, which further expands the benefits offered.
Accepted in thousands of establishments
Although the card is promoted for purchases at Casas Bahia, you can use it in thousands of other establishments, thanks to the Visa brand, one of the most accepted worldwide.
This allows you to enjoy all the benefits of the card, not only in the chain's stores, but also in many other places.
How to apply for the Casas Bahia credit card
Necessary requirements
To apply for the card, you need to meet some simple requirements. You must be over 18 years old, have a valid CPF and prove a minimum income.
Furthermore, your credit score must be clean, with no restrictions on SPC or Serasa, ensuring that the credit analysis will be positive.
Step by step guide to requesting the card
1. Access the official website
First, you must access the official Casas Bahia website. On the website, you will find a specific section to apply for a credit card.
2. Fill out the form
When accessing the application page, you must fill out the form with your personal data, such as full name, CPF, ID, address and monthly income. Make sure you enter the correct information, as any error may delay the analysis.
3. Submit the proposal and wait for analysis
After completing the form, submit your application for credit analysis. The financial institution responsible will verify your information and decide whether or not to approve the issuance of the card.
4. Receive the card at home
If your application is approved, you will receive the card at your home address. Delivery time is usually 10 to 15 business days, depending on your location.
Casas Bahia credit card fees and rates
Annual fee and maintenance fees
The Casas Bahia card charges an annual fee, which can be paid in 12 installments. However, the store often offers promotions that waive this fee for the first year. Also, be aware of fees for withdrawals and use abroad, which may generate additional costs.
| Rate Type | Estimated value |
|---|---|
| Annuity | R$ 188.00 (12x R$ 15.67) |
| National withdrawal | R$ 12.00 |
| International withdrawal | R$ 20.00 |
| Use of credit abroad | 4% about the purchase |
Interest and installments
If you need to pay your bills in installments, be aware that the Casas Bahia card charges monthly interest rates between 5% and 12%, depending on the number of installments. It is recommended that you always pay the full amount of your bill to avoid these charges.
Tips to increase your chances of approval
Keep your CPF regularized
To increase your chances of approval, keep your CPF up to date. Any outstanding debts in your name may prevent your application from being approved.
Report an adequate income
When filling out the form, provide an income that is compatible with your reality. This helps define the credit limit offered and avoids problems during the analysis.
Conclusion
O Casas Bahia credit card offers several benefits, such as exclusive discounts, payment facilities and an advantageous loyalty program. Applying for the card is a simple process, and as long as you meet the requirements, approval can occur quickly.
However, it is important to consider the fees and interest before making your decision, ensuring that the card meets your financial needs without causing any inconvenience.
