Low scorers usually have difficulty getting approval when it comes to credit card, especially in the tool managed by Nubank. However, for these consumers, the company can approve requests and offer an initial limit of R $ 50.
The Nubank credit card is an exclusive product for customers of fintech, founded in 2013. In circulation since 2014, the “roxinho” (nickname created by users) is already used by more than 13 million people who want to escape the abusive interest rates of more traditional banks.
Despite the limited limit, the measure is valid, especially in times of economic uncertainty. In addition, over time, the value of the credit may increase to considerable amounts, according to the company. The initiative is a way of welcoming those interested in the service who do not have a very good financial history.
How to increase the Nubank credit card limit?
If you have a low score, but really want a Nubank card, you can try to be approved and reach the limit of R $ 50. However, as the amount is unsatisfactory to comply with everyday purchases, there are tips to increase the value, are they:
- Use the total credit card limit;
- Pay invoices in advance;
- Make constant movements in the account, use it for all your purchases;
- Avoid paying overdue bills so that Serasa’s score will increase.
Based on these recommendations, your credit card limit will increase in less time. The rules also apply to those with a high score, but who want more limit.
Attention to the score
In general, financial institutions analyze the financial history of the people who request their services. Thus, they know whether it is safe or not to make the resource available to the potential customer, without the high risk of it not being paid. It is a protection for both the creditor and the customer.
Credit analysis is carried out through consultation with the CPF, in bureaus such as SPC, Serasa, Boa Vista and Quod, which show the score, or credit score, of Brazilian consumers.
This score ranges from 0 to 1000 and shows the customer’s profile, and the closer to 1000, the better the payer is. The score takes into account the payment on account days, purchases, loans, for the calculation.
Also read: 4 quick tutorials for using PIX on Nubank; Check out!
*The article has been translated based on the content of Source link by https://editalconcursosbrasil.com.br/noticias/2020/11/cartao-de-credito-com-limite-de-r-50-conheca-a-iniciativa-do-nubank-para-alguns-clientes/
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