At the moment, it is not news to anyone that a file nubank It is the digital bank with the largest customer base in Latin America. According to private fintech data, more than 60 million people use their banking services. But this is not by chance. It turns out that the company has many services and benefits for those who are part of the platform, such as a credit card with no annual fee.
Although a credit card is very attractive, the amount available to the customer is often not very high, leaving many customers unsatisfied. Moreover, the delay in increasing the value in Credit card It is also a common complaint among the platform’s customers.
However, in order for these people not to become powerless, the nubank Now a tool that can solve your credit card problem. In short, it is possible to reserve part or all of the balance so that it can be used in the future as a credit on the card. So, a customer who wants to make a purchase of, for example, R$500 can deposit this amount into his account and reserve it as a credit limit. Want to know more about this feature? So, check out more information below!
Increase your limit with Nubank: see how!
At the outset, it is important to note that the amount deposited into the account which is available as a credit will not be available for use until the card bill is paid. After the discount is paid, the amount will be available again, the use of which is at the discretion of the customer. 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.
According to information from Nubank itself, a user using this type of service can use a balance of up to 5 thousand Brazilian riyals to build a credit card limit. In addition, it is worth noting that the customer can make both domestic and international purchases (in person and virtual).
How do you use this new tool?
First, although this function may not seem useful to the customer, since the user himself is the one who provides his own limits, the function can be very useful for those who do not have a pre-approved technical credit.
To use this new tool, follow these steps:
- First, access the Nubank app;
- Also, access to a list of credit cards;
- select the “Set limit” option;
- Finally, tap on Maximum Reservation and enter the desired amount.
Increase your Nubank limit
Initially, to determine the value of the limit available to each client, fintech relies on algorithmic technology. Thus, those who offer more favorable conditions, such as increased purchasing power, for example, are more likely to receive credit benefits. However, if this is not the case for you now, you can follow some tips to increase your card limit. Want to know which one? Then check it out:
- avoid paying bills late;
- Payment before or by the due date;
- Choose the bill due date according to your salary payment date;
- Don’t just pay the minimum bill amount, as this will activate the revolving credit;
- Keep your monthly income updated on the Nubank app;
- Frequent use of your credit card;
- use the card without exceeding the limit;
- You don’t have debts.
How Much Money Does a Nubank Account Make?
First of all, it is important to understand the Interbank Certificate of Deposit (CDI) rate. In digital banking, the CDI is 100%, which means the returns offered are close to 13%.
For example: If you leave 1000 BRL in a file Nokunta, in one month there will be an increase of 10 reais, i.e. 1010 reais. It is worth noting that in a year the return is higher than the savings account.
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