Retirees and pensioners of the National Institute of Social Security (INSS) and federal civil servants can now use the credit card Caixa Simples, which works in the same way as other credit cards, making it possible to make purchases in digital or physical stores, national or international. However, it has some advantages, aimed at the aforementioned public.
The Caixa Simples card has no annual fee, the customer only needs to pay the fee for issuing the card, which can be paid in up to three installments on the invoice. In addition, there is no monthly fee either, so the customer only pays for what they actually use on the card.
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The payroll credit card also offers a discount on part of the payment of the invoice, in relation to 5% of the retirement, pension or salary. A Caixa Econômica Federal informs that between 20% and 70% of the credit limit can be turned into cash in the account, despite having revolving interest added.
Still according to Caixa, Caixa Simples has interest rates that can be up to three times lower than those of other conventional cards. Thus, the interest varies between 2.7% and 3%, if the revolving one is used.
Regarding the customer's responsibility, he must pay attention to the card's invoice in relation to the release of the consigned payment. If the transfer of 5% is not included, the customer must pay at least the minimum amount of the invoice, avoiding collection actions.
If you are a retiree or pensioner from the INSS or a federal civil servant and are interested in the Caixa Simples card, check below the documentation required to apply for one:
- Benefit statement or document proving eligibility for the Caixa Simples card;
- RG;
- CPF;
- Proof of address.
Finally, in case of doubts or interest in contracting Caixa Simples, it is possible to go to a Cashier in your city or contact the institution via WhatsApp using the number 0800 726 01 04.
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