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Start today to improve your credit with exclusive benefits and no fees!
The Stori Credit Card is the perfect solution for those looking to gain credit simply and practically. With no annual fee, it’s accessible to everyone.
With an approach focused on financial inclusion, the card allows you to build your credit history gradually and without surprises.
It is designed to adapt to your profile, offering benefits that grow with responsible usage. Ideal for those just starting or looking to improve their finances.
Want to know how this card can help build your credit securely? Check it out now and start transforming your financial life today!
Stori Credit Card: Financial Inclusion, No Annual Fee, and Easy Approval for Everyone
The Stori Credit Card is offered by the Mexican fintech Stori, an innovative company aimed at promoting financial inclusion in the country.
Backed by Mastercard, Stori ensures credibility and security, allowing you to use your card in thousands of establishments worldwide.
The initial limit of the Stori Credit Card varies depending on the customer profile, starting at $500, and can increase with responsible credit use.
Many apply for the Stori Credit Card due to its easy approval process, no annual fee, and the ability to gradually increase the limit without bureaucracy.
Main Benefits of the Stori Credit Card
The Stori Credit Card offers several benefits that can transform the way you manage your finances.
This card is ideal for those just starting in the world of credit or those wanting to improve their score. Let’s explore the main benefits it offers.
Easy Approval
The approval process for the Stori Credit Card is simple and fast, with no complications. The process is entirely digital, ensuring a quick response.
With a simplified review, the Stori Credit Card is accessible even for those with no credit history, promoting financial inclusion for everyone.
Additionally, the absence of a credit bureau check makes the approval easier, especially for those beginning to build their financial history.
Even those who have faced difficulties with other credit cards have a real chance of being approved, making the Stori Credit Card an excellent choice.
No Annual Fee
One of the biggest advantages of the Stori Credit Card is that it has no annual fee, allowing you to enjoy benefits without worrying about extra costs.
This makes the card an affordable option, as many traditional credit cards charge annual fees, which can significantly increase the cost of using them.
Without an annual fee, the Stori Credit Card allows you to control your spending and only pay for what you actually use, with no surprises.
This benefit is perfect for those seeking an economical card, ensuring more control over your personal budget.
Building Credit History
The Stori Credit Card is an excellent tool for those looking to build or improve their credit history in a secure and responsible manner.
By using it regularly and paying bills on time, you begin to increase your credit score, which makes it easier to get approved for future credit.
The Stori Credit Card, being more accessible, is ideal for those with no credit history or those needing to improve their credit score in the market.
Over time, your credit will become stronger, opening doors to new financial possibilities, such as obtaining loans and other cards.
Control and Security
The Stori Credit Card offers complete control over your spending directly through the app, allowing you to track all transactions in real-time.
Additionally, the security features are top-notch, ensuring your banking information is always protected against fraud.
Through the app, you can block the card, change your password, and monitor your spending easily, enhancing both security and financial control.
This level of control provides greater confidence for the user, allowing you to use the Stori Credit Card without worrying about the security of your transactions.
International Acceptance
As Stori is partnered with Mastercard, the Stori Credit Card is accepted in millions of establishments worldwide.
No matter if you’re traveling or shopping at international online stores, the Stori Credit Card can be used anywhere Mastercard is accepted.
This global acceptance is a huge benefit, as it simplifies your overseas purchases and also allows secure use in international websites.
This makes the Stori Credit Card an excellent option for those who enjoy traveling or shopping online from various parts of the world.
Occasional Promotions and Interest-Free Months
The Stori Credit Card offers special promotions from time to time, such as interest-free months for purchases with selected partners or specific products.
These promotions are an excellent opportunity to acquire higher-value products at more accessible prices, without the extra interest charges.
By using the Stori Credit Card during these promotions, you can make purchases and split payments smoothly, without worrying about additional fees.
It’s important to stay alert to seasonal offers to take advantage of these special terms, which make card usage even more beneficial.
Discounts for Cash Payments on Some Variants
In some versions of the Stori Credit Card, you can enjoy exclusive discounts when paying in full at partner stores or during promotional events.
These discounts are a way to encourage card usage advantageously, allowing you to save money while paying for your purchases.
With this option, the Stori Credit Card becomes even more attractive, offering benefits not only for installment purchases but also for immediate payments.
These discounts can be particularly useful for large purchases, allowing you to pay less for quality products with the advantage of no interest charges.
Possibility of Gradual Limit Increase
With the Stori Credit Card, you have the possibility of increasing your credit limit as you responsibly use the card and pay bills on time.
This gradual increase allows you more financial flexibility, without the need to apply for a new card or go through complicated processes.
Over time, your credit limit can grow significantly, providing you with more freedom to make larger purchases or invest in new personal projects.
The Stori Credit Card is ideal for those seeking a way to build credit intelligently, with the benefit of a growing and accessible limit.
Eligibility Requirements to Apply for the Stori Credit Card
Before applying for the Stori Credit Card, it’s important to know the eligibility requirements. Here are the main criteria to ensure your approval.
- Minimum Age of 18: To apply for the Stori Credit Card, you must be at least 18 years old and legally capable.
- Valid Official ID: Present a valid official identification, such as INE or passport, to verify your identity in the application process.
- Proof of Residence: You need to provide a recent proof of residence, usually no older than three months.
- Registration in the Stori App: The application process is entirely digital, and you must register in the Stori app to complete your application.
With these simple and clear requirements, you can start your journey with the Stori Credit Card quickly and without bureaucracy.
Step-by-Step to Apply for the Stori Credit Card
Applying for the Stori Credit Card is easy and fast. Here’s the step-by-step guide to ensure your approval without complications.
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Stori Card
- Download the Stori App: Start the process by downloading the Stori app, available for Android and iOS, directly from your app store.
- Create Your Account: Open the app and register, filling in the requested personal details such as your name, CPF, and contact information.
- Upload Documents: Upload the necessary documents, such as your official ID and proof of residence, directly in the app.
- Wait for Analysis and Approval: After submitting the documents, wait for the review of your application. You will receive a quick response about your Stori Credit Card approval.
With these simple steps, you’ll be closer to having your Stori Credit Card approved and ready to use!
Applicable Fees for the Stori Credit Card
The Stori Credit Card offers several benefits, but there are also fees associated with its use. Here, we explain the fees applicable to this card.
Understanding the fees for the Stori Credit Card is essential to use the card wisely. Let’s detail the main fees you should know.
Interest Rates and APR
The Stori Credit Card charges an annual interest rate (APR) of up to 105.7% on the outstanding balance, depending on your credit history.
If you leave a balance of $1,000 and don’t pay the full bill, the interest charged would be $105.70, depending on the APR applied to your case.
The Stori Credit Card’s Total Annual Cost (CAT) is 172.3% without VAT, which includes all additional charges like interest and other fees.
Therefore, to avoid these costs, it’s recommended to pay the bill in full by the due date to avoid interest from being applied.
Annual Fee and Opening Fee
One of the great advantages of the Stori Credit Card is that it doesn’t charge an annual fee, allowing you to use the card without extra annual costs.
However, there is an opening fee of $500, which is charged when you apply for the card for the first time, covering administrative process costs.
This opening fee is a one-time charge and will not be applied annually, making the Stori Credit Card more accessible for those who don’t want continuous costs.
With the annual fee waived and the one-time opening fee, the Stori Credit Card becomes an affordable and beneficial option for those looking to manage their finances.
Card Replacement
If the Stori Credit Card is lost, stolen, or damaged, you will need to pay a replacement fee of $150 per event.
Replacing the card is essential to ensure you don’t lose access to credit, and the fee covers the costs of issuing and sending the new card.
If you need a replacement card, simply contact Stori to initiate the process. The new card will be sent, and the fee will be charged.
With a one-time fee, the replacement process is simple, but essential to maintaining your account’s security and ensuring continuous card use.
Penalties and Charges for Event Services
If the minimum payment of the bill is not made by the due date, the Stori Credit Card will charge a penalty of $300 per event.
In addition to this penalty, interest of 105.7% per year will be applied to the outstanding balance, significantly increasing the debt cost.
For example, if your bill is $1,000 and you don’t pay on time, you’ll end up paying a $300 penalty and interest on the unpaid amount.
Avoid these charges by ensuring that the bill is paid on time, thus avoiding penalties and additional interest on the outstanding balance.
Balance Inquiries at ATMs
When you make balance inquiries at ATMs outside of the Stori network, the Stori Credit Card will charge a fee of $25 per transaction.
This fee applies every time you use an ATM not affiliated with Stori to check the card’s balance.
To avoid this charge, you can check your balance directly through the Stori app, with no additional fees and much faster.
Thus, by using the app, you can manage your balance without extra costs, saving the $25 charged for ATM inquiries.
Cash Withdrawals
The Stori Credit Card allows cash withdrawals but charges a fee of 10% of the withdrawn amount, plus 105.7% interest per year.
For example, if you withdraw $1,000, a fee of $100 will be charged, plus immediate interest on the withdrawn amount if not paid in full.
Interest is applied from the moment of the withdrawal, making this transaction a costly option due to the accumulating fees and interest.
Avoid cash withdrawals whenever possible, as the additional charges and interest can significantly increase the final amount to be paid.
Conclusion
The Stori Credit Card is an excellent choice for those looking for convenience and financial control. It offers no annual fee and fast approval.
With clear fees and no surprises, the Stori Credit Card is ideal for those wanting to start building or improving their credit.
Options for increasing limits and the absence of maintenance fees make the card appealing for those looking to optimize their finances without extra costs.
Liked it? Want to learn more about credit card options with benefits? Check out the next article and discover the Stori Credit Card Black version.
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