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

[{"selector":"#anim-a05c4949-ec03-4254-9d1d-82b56eb48d5f","keyframes":{"opacity":[0,1]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-75bd5b51-9527-4f57-8dd0-c3a9fa500319","keyframes":{"transform":["translate3d(0px, 122.70723%, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fb4ecdf8-cdbf-4c02-8eb9-8b2411a39c93","keyframes":{"opacity":[0,1]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c2344f2-a5e8-48bb-bd21-405afb8e5382","keyframes":{"transform":["translate3d(0px, 917.40720%, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b78765b-7cce-423d-ab17-520fb0bbc60c","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd2a0f6e-fb66-4607-bb93-ab4644003166","keyframes":{"transform":["translate3d(0px, 751.60536%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9139d0e0-48bd-4625-9999-6e7adb6a8c62 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(37.66826915594076%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-2f27c0c3-69b2-4a26-81cd-aadf00425eca","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79ad24ea-8e7c-4412-a6b8-91bed5d159f6","keyframes":{"transform":["translate3d(0px, 162.30160%, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

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

[{"selector":"#anim-d177963d-6cde-4be8-8688-cd5c055227d2","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a3a7201-ef6b-4d22-9e64-6fba9ed57cb5","keyframes":{"transform":["translate3d(91.22807%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34f631c9-58ea-4612-a2d8-4f9c65150ae8","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-580f32ce-4236-4617-b6ee-526fdd9cebaa","keyframes":{"transform":["translate3d(117.45455%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3bb0689d-7b8e-4e5b-9bfe-c350103643d7","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd6c2435-3716-478b-9440-22c639e996bc","keyframes":{"transform":["translate3d(-390.58822%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Banco do Brasil

[{"selector":"#anim-5d82c2bb-5366-4a70-87d3-ee7824cb1623","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e628a364-5629-4ac0-8ae8-5efb07112386","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20914fb1-4483-4416-88b9-583fb296ed18","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0c90d538-ea48-4d50-bb76-8e87aaafe4f6","keyframes":{"transform":["translate3d(-116.12903%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba0e1a76-c1a5-4f26-b32c-3eb2c03b9e25","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd69be67-b2c5-4dab-b107-b41f336deea6","keyframes":{"transform":["translate3d(116.24204%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41986833-50ea-49e2-9b60-9625d392533b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-76617532-56cd-473d-9458-29a0d8fab08a","keyframes":{"transform":["translate3d(115.60510%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-76623be5-6979-4905-9c8b-6d98b5b7ca07","keyframes":{"opacity":[0,1]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0393efea-5654-4215-a04a-b1b437b17517","keyframes":{"transform":["translate3d(-115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab727776-98f6-485f-b5ad-a75da1ffd54e","keyframes":{"opacity":[0,1]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aa884549-b316-4842-a776-590f0d4ececf","keyframes":{"transform":["translate3d(-116.39871%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c78121bb-21ce-4092-bfb9-5e796d198274","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20b15305-cfe7-49c2-b1ac-8a77776c5049","keyframes":{"transform":["translate3d(115.28663%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f075800-b951-42ce-afbc-a75d71b8d4a3","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2f31861-4103-4650-95e3-f096067f31d9","keyframes":{"transform":["translate3d(116.07717%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-908ef087-4529-4d54-96a3-5899af973d7f","keyframes":{"opacity":[0,1]},"delay":1500,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-224ee409-e566-410b-8a64-0ab0835e49ee","keyframes":{"transform":["translate3d(-115.60509%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1500,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78c9aca4-0681-4e8c-98a5-71f7b0147e06","keyframes":{"opacity":[0,1]},"delay":1500,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6aebafac-d64e-4dc7-a9f3-64b5dbe56716","keyframes":{"transform":["translate3d(-116.39871%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1500,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a4bef80b-0bab-45fa-9cd7-808309c2498f","keyframes":{"opacity":[0,1]},"delay":1800,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b29102f-5589-4d61-950a-2fb60540a730","keyframes":{"transform":["translate3d(115.92356%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1800,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e83a16e9-91bc-4ed5-b995-83014a113333","keyframes":{"opacity":[0,1]},"delay":1800,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac27d01c-6fb5-4670-a2df-708e6419792f","keyframes":{"transform":["translate3d(116.72026%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1800,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

Agora temos uma dica para você:

[{"selector":"#anim-256c3517-2eeb-4ca4-8fbd-59c7605e5c71","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9d1d499-cae9-4283-afcb-2b1b98216c34","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-d1f57c12-b7db-46d3-aa5a-a04409d65422","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba8295d9-86fb-455f-92a2-aa1264752201","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-eeeb76dd-9688-4aae-92a0-26304d4e7bfd","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e9c6b4cd-5865-411d-b5b3-45d1841044ec","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-694b8a0d-bd6a-4389-96da-f67d1a6d785e","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67cb7c2d-7941-4e57-841a-5b445a23aff6","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"}] Consulte deu CPF

Monitoramento de CPF Gratuito: Conheça seu Score e se proteja contra fraudes

[{"selector":"#anim-f6661b39-ad33-400d-be75-da236510168f","keyframes":{"transform":["translate3d(-120.89042%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5ce4bc8-9c05-404e-a3af-69ca53c2ca45","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49874070-a2f7-40c8-9adc-fde4dd952e6c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-0272a0e0-e222-451b-8617-cb74620203e0","keyframes":{"opacity":[0,1]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-143cfccb-72c8-4192-9367-6b81fb1fd79d","keyframes":{"transform":["translate3d(-115.82278%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2fefbb1b-2206-4208-9a7b-572b665d9a30","keyframes":{"transform":["translate3d(-116.19048%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1900,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-98758465-d3fc-4f0d-8f25-009857624ec3","keyframes":{"opacity":[0,1]},"delay":1900,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-330b74a5-2a62-4a2f-9e54-47c8fd3401f0","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":1900,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-741ef3ff-cc27-4e77-8306-d9ea989ca6a2","keyframes":{"transform":["translate3d(-114.87342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":2800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee5bf2e6-c9c7-43e5-b84f-139013725163","keyframes":{"opacity":[0,1]},"delay":2800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-08dd8468-3e65-44eb-a2a7-9c836e1082b7","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":2800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-f6df6460-6603-41f4-93eb-667708c40c49","keyframes":{"transform":["translate3d(-121.23287%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f0fc4818-cd76-434e-8f44-236153fc0c89","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61de4319-d107-49f9-a650-98118124d754","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

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!

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