Saraiva Credit Card Phone Number This is information that is often sought after on the internet by customers and potential customers of this company.
The Saraiva Credit Card is made in partnership with Bank of Brazil, considered a safe and practical card for those who wish to make purchases both in Brazil and abroad.
Furthermore, we can say that one of the biggest advantages of this card is the exemption from annual fees. The card is VISA, accepted in millions of establishments around the world. If you are traveling abroad or buying from foreign websites, you just need to activate the International function.
Main benefits of the Saraiva Card
- Exclusive offers and discounts, including at Saraiva. When you use your Saraiva Card, you will have special payment conditions, as long as you always keep your payments up to date;
- Here your purchases will be worth more, where you earn points for every purchase you make. You earn half a point for every dollar spent if you are registered with LATAM, an official partner of Saraiva and Banco do Brasil;
- Additional cards: Possibility of giving gifts to your entire family, with up to 4 additional cards per cardholder;
- Digital wallets: After registering your Saraiva card, you can access the main digital wallets. Use your card and earn credits on Samsung, Apple and Google;
Advantages of the Saraiva Card
Among some of the advantages already described above, the Saraiva Card gives you up to 40 days to pay the bill. In addition, you can manage your purchases and see everything you buy on the official Ourocard app.
Saraiva Card Protection Insurance
It guarantees insurance for your Saraiva Card, which can be purchased directly at the Customer Service Center or even at one of Banco do Brasil's branches.
Saraiva Plus
This is Saraiva's exclusive benefits program, where you get discounts on the most basic plan. Saraiva Card does not offer you. Every customer will accumulate points on each purchase they make at Saraiva Stores, with the purpose of earning points on future purchases or even getting a free purchase.
Remember that the amount used will be according to your preference. When you arrive at a Saraiva store, identify yourself as a customer and you will be able to receive several offers with discounts.
Card unlocking
You can unlock your card by calling the SAC extension directly in São Paulo or Rio de Janeiro. If you prefer, you can unlock your card directly at an ATM or Banco do Brasil branch.
SAC
You can contact Saraiva through official telephone channels to resolve issues related to the Saraiva Card.
Telephone for the São Paulo region: 11 2388-8247
Telephone number for the Rio de Janeiro region: 0800 730 2557
Saraiva Credit Card, is it worth it or not?
Remember that every credit card is designed to provide benefits to its customers. Because the Saraiva Card is made through a partnership with Banco do Brasil, it obviously offers some benefits that other banks do not offer.
One advantage that we can highlight is the fact that there is no annual fee. Even at Banco do Brasil, it is quite difficult to get a card that does not have an annual fee, and few offer points systems. In general, only university students do not pay an annual fee, but the benefits are very limited for this group.
Therefore, the Saraiva Credit Card is an excellent option for those who want to have credit and want to control their spending, knowing the point at which they have already spent the equivalent of their budget.
For those who are not yet very familiar with Saraiva's work, it is important that you know that it is a company that is increasingly driven in the digital market.
Complaint to the Central Bank of Brazil
Many users of financial services do not know, but when they have some kind of problem with a Credit Card and it is not resolved through their ombudsman, a very practical and viable alternative is to make a complaint to the Central Bank.
The Central Bank of Brazil is a highly regarded institution and, among other responsibilities, it is responsible for regulating and supervising the national financial system. The institution also currently works to ensure the stability of the purchasing power of money.
In the specific case of cards, the Central Bank supervises and controls the institutions, aiming to prevent abuses and other arbitrary acts that may be committed by the country's financial agents.
Therefore, if you had a more serious problem with Cartão Saraiva or any other financial institution and this problem was not resolved by the ombudsman, you can register your complaint very simply on the Central Bank website.
Once the complaint has been made, the Central Bank will contact Cartão Saraiva directly to request information about the complaint made.
In normal situations, the Central Bank takes around 8 to 10 business days to respond to the citizen. However, this period depends largely on how long the card that was complained about will take to respond.
If your complaint is fair, the credit card company will usually reverse its procedure or in some way seek to correct the error made, notifying the Central Bank about this occurrence.
Logically, if your complaint to the Central Bank is unfounded, no action will be taken, as the Central Bank will analyze your case and forward it to the institution, acting in this case as a mediator of the problem.
As previously mentioned, it is very simple to file a complaint with the Central Bank. The entire procedure is carried out online, and it is important that you register an email address to receive notifications each time the process is processed.
Another very important point to remember is the need to have the complaint entry protocol with the Credit Card company on hand. Have this number on hand as you will need it when making your claims.
It is also important to clarify that the Central Bank will ask you to write a text explaining exactly what happened between you and the card. At this point, be as detailed as possible, providing the date, time, name of the attendant, what was said, protocol number, etc. Don't leave anything out!
Step by step: making a complaint on the Central Bank website
To initiate the complaint procedure at the Central Bank, you can click here.
As you can see in the image below, you must enter your CPF number and select Complaint against Financial System Institutions.
Solve the Captha and the screen will open for you to fill in the necessary data:
- Choose the name of the Institution
- Select Subject
- Enter your message, stating the complaint you want to make
- Enter the Financial Institution's protocol number
From there, the Central Bank will ask for your email and telephone number, generating the service protocol after that.
With the complaint protocol in hand, as stated above, you just need to wait for the bank's response regarding your complaint.
Questions and Answers about Complaints at the Central Bank
1- Which institutions does the Central Bank supervise?
Multiple banks are supervised by the Central Bank, commercial banks, cooperative banks, investment banks, development banks, exchange banks, savings banks, credit unions, credit, financing and investment companies, real estate credit companies, leasing companies, exchange brokerage companies, securities brokerage companies, securities distribution companies, development agencies, mortgage companies, credit companies for microentrepreneurs and small businesses, payment institutions and consortium administrators.
2- Can I file a complaint against an Institution authorized to operate by the Central Bank?
Yes, complaints may be filed by customers and users of products and services from financial institutions and other institutions authorized to operate by the Central Bank, such as credit unions, payment institutions and consortium administrators, whenever there is evidence of non-compliance with legal and regulatory provisions whose supervision is the responsibility of this Agency.
3- Does a complaint to the Central Bank have the same effects as a lawsuit?
No. The Central Bank acts in the administrative sphere and does not replace legal action. Therefore, if your problem is not resolved by the Central Bank, you can file a lawsuit.
4- Does the Central Bank regulate the waiting time in bank queues?
No. The Central Bank does not regulate waiting times in queues. There are state and municipal laws that address this issue. It is up to consumer protection agencies (Procon, Prodecon, Decon) to provide guidance on this topic.
5- Does the Central Bank set the value of fees charged by banks?
The Central Bank does not determine the amount of fees. However, there are some services that banks must provide free of charge. Subject to the prohibitions, each institution is free to establish the amount of its fees.
Taking Legal Action Against a Credit Card: Is It Worth It?
Many people wonder whether it is worth taking legal action against a credit card company. Is it feasible? Is it worth it? To answer this question, first of all, you need to know the extent of your problem with the institution.
We know that most of the problems involving customers and financial institutions are issues that are easier to resolve through a complaint to the company's own ombudsman or even by making a statement to the Central Bank.
However, when the situation is more complicated and involves larger amounts, the customer may consider filing a lawsuit against the financial institution, knowing that this will be a last resort, after exhausting administrative avenues for resolving the conflict.
One option for those who were unable to resolve the issue through conventional means is to file a lawsuit in Small Claims Court in your region, which is the competent body to process cases of up to 40 minimum wages. It is important to emphasize that, for cases of less than 20 minimum wages, it is not mandatory to appoint a lawyer.
Another advantage of JEFS that cannot be forgotten is the absence of legal costs for litigants, that is, you will not need to pay anything to file a lawsuit against the financial institution.
To be successful in a case before the Small Claims Court, it is important that you gather as many documents as possible, such as contracts, bank statements, emails, collection letters, proof of payment, etc.
Another fundamental thing in this type of process is to have all the data of the Credit Card against which you are going to file the lawsuit: address, telephone number, CNPJ, among other important information so that the justice officials can locate the financial agent.
And as previously mentioned, there is no need to hire a lawyer, although if you have the means, this is highly recommended, considering that in more complex cases the assistance of a specialist will be essential for you to be successful in the dispute.
Therefore, now that you know all the details about how to file a lawsuit against a Card, it is up to you to decide whether or not this is viable, whether it is the best solution or not.
Other ways to complain about a Card
If you don't know, nowadays there are several ways to complain and show your dissatisfaction with the service provided by a Credit Card. This means that you are not obliged to accept any type of illegality on the part of any agent of the country's financial system.
Unfortunately, nowadays, all sorts of irregularities occur in credit transactions. People are paying excessive interest or fees, others have their credit ratings listed without owing a single cent. In short, there are all sorts of complaints.
If, like many Brazilians, you have complaints about the service provided by a credit card company, you should know that society has increasingly created mechanisms to give voice to dissatisfied people. Here we will give you just a few examples of how you can complain about abusive practices by companies.
You can choose between some of the complaint methods or you can even use all of them until your problem is finally resolved. Remember that first of all it is important to try to resolve the problem with the company you have complaints about and only after that you can take other actions to protect your rights.
Complain here website
The Reclame Aqui website is a private platform, but it has helped many people solve their problems with financial institutions such as the Saraiva Card for example, which has a good reputation on the platform.
Reclame Aqui works as follows: the person who wants to make a complaint registers on the website, makes their statement in writing, being able to present any documents they deem necessary and completes the request by generating a protocol.
After this, the Reclame Aqui website itself contacts the company complained about, which normally informs its version of the facts and often solves the customer's problem.
Most companies respond very well to complaints made on this platform, while others don't respond at all. But in general, it's worth trying to make a complaint on the website. Access here to learn about the service.
Procon
A well-known body among Brazilians is Procon, always remembered for its fight to defend consumers. Procon is linked to the States and serves the entire population when it comes to consumer protection codes.
If you have easy access to this body, a complaint to Procon may be a viable alternative. It is known that financial institutions as a whole, especially financial institutions, often have serious problems with their customers, and Procon may be the defender of the weaker side at this time.
Another advantage of seeking out Procon to file a complaint is the fact that it is a public service, that is, completely free, in which the consumer can have a strong arm in their defense against the abuse of power by large corporations.
Important Notice
The Achei Celular website is an independent project that has no connection with Cartão Saraiva or government consumer protection entities. The purpose of this article was only to inform about the phone number of the Saraiva Card and other forms of contact with the institution, for informational purposes only. If you have any complaints to make, look for the companies' official channels and under no circumstances leave any personal data in the comments field.
