Find out how to withdraw money from your Santander credit card below. Santander bank is one of the main financial institutions in the Brazilian market, because the company has been in Brazil since 1982.
In addition, one of Santander's main differentials is the possibility of withdrawing money from the credit card. But how do I withdraw money from my Santander credit card?
To withdraw money from your Santander credit card, simply go to an ATM and make the withdrawal as normal. However, it is important to be aware that the amount withdrawn must be paid on the next bill and the charge is R$21.90 for each withdrawal made from the credit card.
How the Santander credit card works
Now that you know how to withdraw credit card money Santander, how about getting to know a little more about one of the largest financial institutions in the Brazilian market?
Flag
Santander's credit card offers Visa and Mastercard. So it's up to the customer to choose which brand they like best.
Annuity
The annual fee is zero if you accumulate R$100.00 in purchases every month on your credit card. But if you don't reach this amount each month, you'll have to pay an annual fee of R$33.25 for the main card and R$16.67 for the additional card, in case you lose it or want to have it.
In addition, you can also be exempt from the annual fee if you register the Pix key with Banco Santander.
Income required to apply for a Santander credit card
If you have a current account with Santander, the minimum income to apply for a credit card with the financial institution is R$500.00. On the other hand, if you are not an account holder, the minimum monthly income required by Santander is R$1,045.00.
Santander credit card advantages
In addition to the ease of withdrawing money from the Santander credit card, there are other advantages to the bank's credit card. With Santander's credit card you can get a range of discounts and offers from the bank's partner companies.
There's also the facility of the virtual card and the app, so you can have much better financial control. Not to mention the free annual fee for purchases over R$100.00 per month.
Finally, Santander also offers credit card customers the benefits of Mastercard Surpreenda, or Vai de Visa if you have opted for the flag.
In addition to the Santander Esfera benefit, which is the possibility of exchanging bonuses for trips and products and also the possibility of paying your bill in up to 24 installments.
How to get a high credit card limit
So far, you know how to withdraw money from the Santander credit card, how the financial institution works and what the advantages of the Santander credit card are.
But how do you get a high credit card limit? There are some tips that can help you gain a higher credit limit, and that's what we're going to look at, check them out!
Get a good score
The first thing that financial institutions analyze before setting a customer's credit limit, in addition to their monthly income, is their credit score.
The score is nothing more than a score that a person receives from Serasa for their financial behavior. In other words, whether you're paying your bills on time, whether you're in debt, etc.
It is therefore essential that you have a good score. To do this, you need to pay all your bills on time and avoid paying in installments.
This is because when you pay too many bills, the bank understands that you can't afford to pay the full amount of your card expenses and that your credit limit should be low.
Check out the scores:
From 0 to 100 (red): a low score is considered very low and indicates a high probability of failure.
From 101 to 250 (yellow): represents a moderate threat to access to credit and financing. Its default risk ranges from medium to high.
From 251 to 600 (light green): interesting financial products and easy credit conditions can be found in this segment. This means that the risk of default is considered moderate or low.
From 601 to 1000 (dark green): more than 700 points are considered high by many financial institutions. This gives you access to the best credit lines and approved financial products.
Use your credit limit
This tip is for those who are looking to increase their credit limit in a financial institution which is already part of it.
Let's say, for example, that the bank has released a very low limit. What do you do to get your limit increased? Simple, you need to use the limit you received, so the bank understands that the limit offered is too little for you.
But it's important to always pay your bills on time, that way the bank considers you a good payer and the chances of having your limit increased are much higher.
