Quais as vantagens do cartão de crédito adicional?

Saiba como funciona o cartão de crédito adicional e quais bancos oferecem essa opção

O cartão de crédito adicional é uma opção de crédito oferecida por alguns bancos e instituições financeiras. Ele é concedido a titular do cartão principal, e pode ser usado pelo titular ou por outra pessoa, como cônjuge, filhos ou parentes.

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Acompanhe a seguir as vantagens de se usar cartão de crédito adicional

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Compartilhamento de crédito

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Flexibilidade

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Controle de gastos

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Pontos de fidelidade

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Entretanto, também existem algumas desvantagens, veja a seguir:

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Risco de endividamento

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Fraude

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Cobranças adicionais

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Veja alguns bancos nacionais e bancos digitais que possuem a opção do cartão adicinal

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Banco do Brasil

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Agora temos uma dica para você:

[{"selector":"#anim-0df30768-7d30-47e4-a367-58d5d129cf7e","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-448c70b6-de1a-44d0-901b-727404f4e6b5","keyframes":{"transform":["translate3d(-75.94142%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-963e9283-99b0-4ffc-ad55-ad384bff0930","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-229c4db7-65ae-4e51-ab5b-ead133250bfe","keyframes":{"transform":["translate3d(0px, 158.14503%, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e68179fb-9e15-4813-a2f2-46fb5ffb28e2","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f519c1bf-292f-4316-8927-39569379d370","keyframes":{"transform":["translate3d(-117.09091%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c9173ca8-5287-42b4-b5a1-dbb797db3669","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd93f54b-dd39-4274-8577-85645162fb5f","keyframes":{"transform":["translate3d(0px, 176.46413%, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Saiba como funciona o cartão de crédito adicional e quais bancos oferecem essa opção

Saiba como funciona o cartão de crédito adicional e quais bancos oferecem essa opção

O cartão de crédito adicional é uma opção de crédito oferecida por alguns bancos e instituições financeiras. Ele é concedido a titular do cartão principal, e pode ser usado pelo titular ou por outra pessoa, como cônjuge, filhos ou parentes.

Acompanhe a seguir as vantagens de se usar cartão de crédito adicional

Compartilhamento de crédito

Vantagem 1

Vantagem 1

O cartão adicional permite que você compartilhe seu limite de crédito com outra pessoa, sem precisar abrir uma conta conjunta.

Flexibilidade

Vantagem 2

Vantagem 2

Com o cartão adicional, o titular pode conceder ou retirar o acesso ao limite de crédito a qualquer momento.

Controle de gastos

Vantagem 3

Vantagem 3

O titular pode acompanhar os gastos realizados pelo portador do cartão adicional, o que é útil para manter o controle financeiro da família.

Pontos de fidelidade

Vantagem 4

Vantagem 4

Muitos programas de recompensas oferecem pontos extras quando você adiciona outras pessoas ao seu cartão de crédito.

Entretanto, também existem algumas desvantagens, veja a seguir:

Risco de endividamento

Desvantagem 1

Desvantagem 1

Ao compartilhar seu limite de crédito, você também está compartilhando o risco de endividamento. Se o portador do cartão adicional gastar mais do que o previsto, o titular também será responsável pelo pagamento das dívidas.

Fraude

Desvantagem 2

Desvantagem 2

O cartão adicional pode ser usado por outra pessoa sem autorização, o que pode resultar em fraude ou roubo de identidade.

Cobranças adicionais

Desvantagem 3

Desvantagem 3

Algumas instituições financeiras cobram taxas adicionais pelo uso do cartão adicional.

Veja alguns bancos nacionais e bancos digitais que possuem a opção do cartão adicinal

Banco do Brasil

Caixa Econômica Federal

Bradesco

Itaú

Nubank

Banco Inter

Agora temos uma dica para você:

Quer aprender a consultar seu CPF gratuitamente para saber se há dívidas em seu nome? Então arrasta pra cima e saiba como!