Common questions

UNOP is an informative blog that presents content (Infoproducts) on various topics, in various sectors, including: financial, investment and social. Born from the analysis of the Brazilian market, carried out by a group of businessmen, it was concluded that part of the population has little or no information about these topics or products. Learn more “About UNOP”.

Yes. UNOP adopts the Global Guidelines on Information Security Management and the main technologies, which include, but are not limited to: firewalls, cryptography and antivirus software, to promote a safe and fluid environment during your navigation

Yes. UNOP has been active and working incessantly for about 03 (three) years, in addition, our domain ( is one of the most popular in the Google search engine. Therefore, we adopt the main technologies (encryption, SSL and HTTPS) to prevent user information and data from being “leaked” or “hacked” during navigation. See more information in our “Privacy Policy”. (Privacy Policy Link)

UNOP does not offer credit approval or release of any nature, be it for credit cards, bank accounts (digital or physical), loans, financing or consortiums. These services will always be offered by financial institutions – Banks or Fintechs, Credit Unions or Finance, but never by UNOP.

Well, this will depend on the type of institution you choose to hire; Bank, Credit Cooperative or Financial, physical or digital. For example: If you choose to hire a credit card from a digital bank, you will certainly be able to follow the proposal through the bank’s App or website. However, if you opt for the traditional way, physical means, it will depend on each institution. Therefore, you should always “check” on the institution’s website, telephone or e-mail how to accompany your proposal.

No. UNOP has no influence, responsibility or connection in the request, request or release of credit, the responsibility is exclusive of the user, since you are free to choose which company to hire.

No. You do not need to register with UNOP to apply for a credit card. But it is worth noting that the application process is done differently in each financial institution. And it may be necessary to register on the website or application of the Bank, Credit Union or Financial institution before applying for the credit card online.

The first step, before filling out the proposal, is to carefully read the application requirements of each institution. If you are eligible to apply, check that you have correctly filled out the credit application, then confirm that you have submitted your proposal once completed. However, if your proposal is still not included in the financial institution (Bank, Cooperative or Credit Financial) it is important to get in touch with them and check if there is any problem in sending the proposal. Whether by phone, email, relationship center or app.

This is simple to solve with a few steps:

1st In the online proposal, check that you are on the correct page or application, before providing any data. If it is not in the correct space, exit the page and do not enter any data.

2nd If you are on the correct application or website, close the navigation and, a few minutes later, come back and try again.

3rd If after returning you are unable to complete the form correctly, you can contact the institution (Bank, Credit Union or Financial) and report the problem.

Oh! This is quite simple, but it depends on each financial institution, because each one chooses a different way of informing. It could be a thank you, for example; “Thanks! We have received your proposal. Now it’s time to wait.” or sometimes a request, for example; “Okay, now you can close the page and follow your request through the application.”.

There are several factors that influence companies when releasing credit: loans, financing or credit card. However, depending on the type of request, the most common are:

1st Completing the proposal – that is, incorrect, incomplete or missing data; and,

2nd Failure to meet the application requirements – that is, age, income, score, credit restriction, account, among others.

It depends. It is not a financial market rule, but some companies do require that the customer has a bank account at the Institution to offer and approve the requested credit. However, there are banks, credit unions and finance companies that do not need an account to apply. Therefore, pay close attention to the application requirements before applying for credit.

Well, the credit card limit is defined exclusively by Financial Institution; Bank (physical or digital), credit cooperatives or finance companies, each company has its own credit policy, which can assess from customer loyalty to credit history.

Despite being an excellent option for those who want to control their finances, the prepaid card, unfortunately, does not allow the payment of purchases in installments. Therefore, there is no invoice for payment.

Yes. UNOP can access your data when you provide or authorize the collection, however, we do not access financial data. See what data we request or access in the “Privacy Policy” and “Terms of Use”