a nubank It is one of the most requested digital banks in Brazil. But this is not accidental. It turns out that fintech currently offers many services and benefits to its users, such as, for example, a credit card that does not charge an annual fee. However, when credit is released, it does not always satisfy customers.
Think about it, the nubank Brings a tool that holds the balance in part or all to use as a balance. In this way, a customer who wants to make a purchase of R$600, for example, can deposit the amount in their account and keep it as a credit limit.
The amount credited to the account and used as a balance is not available for use until the card bill is paid. After payment is made, the amount is released, leaving it up to the customer’s discretion as to how the funds will be used.
However, it is important to note that if payment is not made by the due date, the bank will use the reserved balance to settle the bill.
a nubank Note that the customer can use up to 5 thousand Brazilian reals In the function of building a limit on a credit card. In addition, the customer can make local and international purchases, either in person or virtually.
How to use the new tool in Nubank?
- First, access the app nubank;
- Enter the list of credit cards;
- Click on the “Set Limit” option.
- Finally, click on “Maximum Reserve” and enter the required amount.
Advantages of the new feature
Although it does not seem very useful to some customers, considering that it is the customer who sets his own limits, the function can be very useful for those who do not have pre-approved credit.
“This card works like this for one simple reason: rather than denying you access to a credit card, we let you build a credit history with us: by setting a limit and paying your bill for a period of time, our system can make a new future analysis based on your behavior, and with more of information, it gives you a pre-approved limit,” Nubank explains.
How do you increase your credit limit on Nubank?
First, to determine the threshold value available to each customer, the digital bank uses algorithm-based technology.
In this way, those who are not in good financial conditions, such as increased purchasing power, for example, will benefit more from credit.
Tips for increasing your Nubank Card Limit
- avoid late payment of bills;
- Pay before the due date or by the due date;
- Choose the invoice due date according to your salary payment;
- Do not pay the minimum bill amount, as this will activate revolving credit;
- Keep your monthly income updated in the app nubank;
- use your credit card frequently;
- Use the card often without going over the limit;
- You have no debts.
In addition, another factor that can help the client is the lack of a bad name in credit protection agencies, such as SPC and Serasa. Being negative quickly lowers your credit score, thus reducing your chances of winning with a higher limit.
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