With an IKEA credit card in hand, consumers can buy their furniture without paying for everything right away. After all, starting these purchases from scratch can be complicated, especially at the beginning. 

Paying in cash is not always a possibility, but with the help of a credit card it is possible to invest without much effort. However, just like any IKEA credit card, this model has advantages and disadvantages. 

Knowing all the characteristics of this financial product is important, especially to analyze whether this is the best choice. Anyway, if you want to check some general characteristics, see the table. 

Before knowing all the advantages and disadvantages of the IKEA credit card, it's important to find out how it works. This is a credit card issued under the Mastercard brand.

This credit card is accepted in national and international establishments, as long as it is accredited with the Mastercard brand. In addition, it offers exclusive discounts at partner stores. 

The application process is done entirely online. Therefore, if you want the card, the first step is to discover all its advantages and disadvantages and, subsequently, compare all these characteristics. 

Just like any financial product on the market, the IKEA credit card has advantages in its favor. Therefore, before requesting this financial product, check these characteristics. 

However, as not everything is rosy, the IKEA card also has disadvantages. This information is essential to make the best choice in the future. 

Finally, to apply for an IKEA credit card, consumers must go in person to an IKEA store. However, if you are interested, the issuance process is also carried out via the official IKEA website. 

The entire procedure happens quickly and easily. After all, the financial institution's communication is direct with Cetelem, making access to this payment method even easier. 

However, to issue a credit card, some requirements must be met. In this sense, consumers must be over 18 years of age, reside in Portugal and earn at least the minimum wage. 

These consumers must also present a document proving receipt of income. Additionally, depending on the financial institution, it is necessary to have a bank account. 

Check out the more detailed step-by-step instructions below!