What is the consigned card?

It is a credit card linked to your INSS benefit. The minimum invoice amount is automatically deducted from the benefit each month, which facilitates approval and reduces default risk. You have a credit limit available to use when needed, and the invoice varies according to your usage.

What is the difference between RMC and RCC?

The RMC (Cartão de Crédito Consignado) uses a margin of up to 5% of the benefit. The RCC (Cartão Consignado de Benefício) has a separate and independent margin, also up to 5%. You can have both at the same time — in that case, the total deduction can reach 10% of the benefit.

What is the card limit and how much can I withdraw?

The maximum limit is 1.6 times your monthly benefit amount. Of this limit, up to 70% can be withdrawn in cash via the app or ATM at any time. Withdrawals are installment-based and incur interest — reserve them for emergencies.

What is the difference between the consigned card and the consigned loan?

With a consigned loan, you receive a fixed amount at once and pay equal monthly installments with a defined term — no card or revolving credit. With the consigned card, you have a credit limit available to use when needed, the invoice varies according to usage, and the deduction covers only the mandatory minimum.

Does the consigned card have an annual fee?

No. Charging annual or monthly fees is prohibited by law. If you receive any such charge, it is irregular and must be immediately contested with the issuing institution or the Ombudsman.

What insurance is included with the card?

The card includes life insurance and funeral assistance, each worth R$ 2,000, at no additional cost to the beneficiary. These insurances are free by legal obligation — any charge for them is undue.

What is the interest rate cap for the consigned card?

The interest rate cap is set by the CNPS (National Social Security Council). Unlike regular cards, where each bank sets its own rate, with the consigned card you never pay more than the legally permitted limit.

Does the automatic deduction pay off my entire invoice?

No. The automatic deduction covers only the mandatory minimum of the invoice. Any remaining balance enters the revolving credit and accrues interest. Therefore, whenever possible, pay the full balance on the due date — this is the best way to avoid debt accumulation.

How can I block the card?

You can block the card at any time through the Meu INSS app or in person at an agency. Blocking is free and can be done to protect yourself from fraud or if you no longer wish to use the card.

Does the consigned card offer discounts at pharmacies?

Yes. Affiliated pharmacy chains are required to offer discounts on medications to consigned card holders. Just present the card at the time of purchase. This is an advantage that is rarely available with regular cards.

Does QI Tech contact clients to request refunds, chargebacks, or cancellation of loan and/or financing contracts?

Does QI SCD contact clients to request refunds?

No. QI SCD never contacts end clients to request refunds, chargebacks, or the cancellation of contracts. All customer service is provided exclusively through the partners/correspondents responsible for the origination.

Does QI SCD send cancellation terms by email, WhatsApp, or other channels?

No. QI SCD does not send cancellation terms or similar documents and does not request payments, refunds, or any confirmation of data through these channels. All communication regarding loan or financing operations must be handled directly with the partner/correspondent.

Does QI SCD receive refunds through other financial institutions?

No. QI SCD does not maintain accounts at other financial institutions for receiving payments or refunds. We do not make collections, receive funds directly from clients through third-party institutions, or suggest making payments via Pix or other methods not specified in the contract.

What should I do if I receive a suspicious message claiming to be from QI SCD?

How does QI SCD operate?

QI SCD is a financial institution that operates exclusively in partnership with banking correspondents and does not contact consumers directly. All matters regarding loans, financing, cancellations, or refunds must be handled directly with the partner/correspondent responsible for the transaction.

How can I confirm if a contact is legitimate?

Always verify the information with the banking correspondent identified in your contract. Use only the official channels listed on the correspondent's website. Be suspicious of messages containing grammar errors, promises of immediate refunds, or requests for financial transfers.

My FGTS account balance has been blocked. Why?

If you have taken out a FGTS Birthday Withdrawal Advance loan with one of our partners, your FGTS account balance will be blocked as collateral for the future payment of the loan installments related to that advance.

I want to cancel my FGTS Birthday Withdrawal Advance. How can I do that?

If you contracted a FGTS Birthday Withdrawal Advance loan less than 7 calendar days ago, you still have the right to withdraw from the agreement. To request the cancellation, you must contact the customer service department of the Partner/Banking Correspondent through which you completed your loan application.

Who should I contact to settle my FGTS Birthday Withdrawal Advance?

If you wish to repay your FGTS Birthday Withdrawal Advance loan in full, please contact the customer service department of the Partner/Banking Correspondent where your loan was originated.

Can I take out a loan directly with QI Tech?

No. QI Tech does not grant loans. We are a banking infrastructure service provider. You can apply for a loan through our partners, who use our services to originate and manage credit operations.

I want to cancel my loan. How can I do that?

If you contracted a loan less than 7 calendar days ago, you still have the right to withdraw from the agreement. To request the cancellation, please contact the customer service department of the Partner/Banking Correspondent through which you completed your loan application.

Who should I contact to pay off my loan?

If you wish to settle your loan in full, please reach out to the customer service department of the Partner/Banking Correspondent where your loan was originated.

I haven't received the loan amount. When will I receive it?

The loan amount is disbursed on the disbursement date specified in your loan agreement. If, after that date, you still haven't received the funds, please contact the customer service department of the Partner/Banking Correspondent responsible for your loan.

What is the timeframe for my request to be resolved?

In accordance with CMN Resolution No. 4,860 of October 23, 2020, Article 6, the Ombudsman has up to 10 (ten) business days to provide a conclusive response to the requester.

What is a Bank Credit Note (CCB)?

A Bank Credit Note (Cédula de Crédito Bancário – CCB) is a loan agreement through which a financial institution grants credit to an individual or a legal entity.

What information can I find in a Bank Credit Note (CCB)?

A CCB includes key details such as:

- Borrower's information (the party contracting the loan);

- Place and date of issuance;

- The title "Bank Credit Note – CCB";

- Principal amount, agreed charges and interest, and the repayment schedule (partial or total amortization) and final maturity date;

- Place and dates of payment for the principal and charges related to the Bank Credit Note.

What is it?

A token is a security device used to protect clients when accessing digital channels. It generates temporary numeric codes required to authorize online transactions.

How does it work?

Whenever you perform certain operations in your account, a numeric code generated by the token will be requested to validate the transaction.

How to install it?

Who are the investment advisors?

What is credit portability?

Who can apply for credit portability?

Any individual borrower interested in seeking better interest rates for their payroll loan with another financial institution.

What will change in my debt when I transfer my loan?

When you transfer a payroll loan, the following conditions of the original contract will remain unchanged: Outstanding balance; Number of remaining installments; Payment due dates. The only modification resulting from portability will be the interest rate—and, consequently, the installment amount.

What do I need to request credit portability?

Are there any fees charged for payroll loan portability?

No. There are no fees for requesting payroll loan portability.

How are information and funds transferred?

The transfer of information and funds occurs automatically—you do not need to take any action between institutions. You will be notified once the portability process is complete, and during the process, you may check its status with the receiving institution.

Can I cancel the portability request?

Yes. You have up to four business days after the process begins to request a cancellation. However, this can only be done if the receiving institution has not yet sent the payment to the original institution.

How does the retention process work?

Once the original institution receives a portability request, it has up to four business days to evaluate and potentially make a counteroffer to the client. If the client accepts the counteroffer, the portability request is canceled, and the loan remains active with the original institution. If the client declines, on the fifth business day, the loan is officially transferred to the new institution.

Who can initiate the portability process?

Any individual client can request the portability of a payroll loan from one institution to another.

How can I get more information?

Singulare Corretora de Títulos e Valores Mobiliários S.A. has been discontinued. What does this mean for me?

How can I contact Singulare Corretora de Títulos e Valores Mobiliários?

Starting April 16, access to the Singulare Corretora de Títulos e Valores Mobiliários website will be available through the QI Tech website. The telephone numbers for inquiries related to management, administration, custody, and other matters regarding the CTVM remain the same: 0800-729-7272 +55 (11) 2827-3500 (PABX)



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