Card Americanas is the credit card of the Carioca retail network that was founded in 1929. Known as one of the largest e-commerce in Brazil, the benefit of the credit line for its consumers offers discount advantages, in addition to the possibility of using it in other establishments, physical or online.
The retail chain started to make available the credit feature for its customers, in addition to the installment plan and store card options. In this way, it is possible to hire and use the service in other establishments, in addition to enjoying all the benefits that the company offers.
If you, as a consumer, want to have the Americanas card, you will discover in this content how to request it is easy and practical. All this without leaving home.
How to apply for an American card
Before requesting a card from the network, it was necessary to go to a physical store. However, with the new digital platforms, it is possible to order directly over the internet without having to leave the house.
Check out the step-by-step guide to sending your proposal and request your card more conveniently:
Access the store’s website
The entire application procedure is done through the Lojas Americanas website.Â
If you are on the Lojas Americanas homepage and want to locate the card section, just type “American card” in the search bar. The website will direct you to the request page.
Enter the request form
The next step to apply for an American card is to fill in the form to submit your request.
Log in
Then the site will ask you to log in to proceed with the order. This is necessary to confirm your identity.
To do this, just follow the website’s guidelines described on the page. Initially, use your email and password to log in.Â
If this is your first time, click on the “Register” button, located below the spaces to fill in. Registration is quick and will ask for some basic information, such as:
- Email address;
- CPF;
- Telephone;
- Home address;
- Password.
After confirming your registration for the first time, you can proceed with your credit card application.
Fill in the request form.
In this step, you must enter a series of data to send your Americanas card proposal. Just follow the directions on the website and fill in your information in the indicated places. The data include:
- Personal information (such as full name and documents);
- Residential data (such as an address for sending the card);
- Employment and income (such as profession and monthly income);
- Services and authorizations (such as the service agreement).
After filling in all the necessary spaces, just send the proposal and wait for the analysis of your request.
According to information on the Lojas Americanas website, the response time for credit card requests is up to 10 business days. However, internet users report receiving an email response in less time. Therefore, pay attention to the registered contact address.
How to get the American Card
After requesting the card and receiving the email confirming your approval, the next step is to wait for the physical card to be sent. The company informs that the delay time for delivery can be up to 20 working days and its shipment is made through the Post Office.
However, it is worth mentioning that it is important that the holder or a family member must receive the card, as it is necessary to sign a document proving that the card was delivered. So make sure you have someone at the address registered in the proposal to sign the delivery.
Your request was declined; what to do?
In some cases, your proposal may be rejected by the company, and this can happen due to numerous factors, such as credit restrictions on your behalf or low score. In this case, you must wait a period of 60 days to submit a new request.
One of the advantages of requesting your Americanas card is that if your request is initially refused, Lojas Americanas does not make a definitive refusal. That is, you can submit a new proposal after two months.Â
This helps you, during this period, adopt new financial habits to improve your score and increase your chances of being approved next time.
Advantages and Disadvantages of the American Card
Applying for a Lojas Americanas credit card online is one of the alternatives available to consumers looking for other credit options in the market. But it is essential that, before any request, you understand the advantages and disadvantages that the card offers to its users.
Benefits
The American credit card has some advantages, which are:
- Exclusive discounts on selected offers;
- Exclusive site-wide installment options;
- The additional limit for purchases in installments over R$50.00 on the americanas.com website;
- Accepted in all establishments accredited to the Visa or Mastercard network;
- Access to the Vai de Visa program;
- Right to AME cashback;
- Access to the Mais Sorrisos points program;
- Possibility of subscribing to Americanas Prime;
- It is possible to purchase up to three additional cards for people over 16 years old at no cost and which also accumulate points.
Disadvantages
- Cardholder annual fee: 12 installments of R$13.08, totaling R$156.96 per year. Additional cards do not pay an annual fee;
- A fee of R$20.00 for issuing a duplicate card;
- A fee of R$13.90 for each 24-hour Bank withdrawal;
- Interest rates depend on the transaction.
Conclusion
As you can see, the retailer offers several benefits, such as exclusive discounts and a cashback program for those who purchase the Americanas card.
In addition, the card application process is simple and accessible and can be done directly over the internet.
Therefore, it is worth considering this alternative and checking out more about the procedure for issuing the Americanas card in order to hire the service and take advantage of all its advantages.
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