a A credit card is one of the services Financial instruments used in recent years and conquered new users every day. For this reason, many companies in the sector are working on improving the tool, such as nubankwhich offers credit cards without fees.
Although Nubank has one of its main principles of financial inclusion of citizens who are usually excluded from traditional banks, the credit limit provided by the institution still causes inconvenience to many people.
Nubank explains that credit may vary according to financial file for each user. In addition, in some cases, customers may have a limit that is not compatible with Revenues Because of the scarcity of data that a digital bank can collect. “As with our analysis of request approval, the main challenge when setting the limit is not having access to information that would help us draw a more appropriate profile,” justifies Nubank.
Find out how to increase the limit already approved by Nubank
When the customers Credit card approved Nubank, a certain limit is provided by the institution. To find out the card limit, users have to access the fintech app and search for Credit card. In this way, on the initial screen, it is possible to select the amount of the open invoice and then the available limit.
In some cases, Nubank customers already have a limit pre-approved credit larger than what is currently used. Therefore, it is possible to adjust the value. To do this, you need to click on the Credit Card section and then select “Set Lomite”. Finally, simply drag the “drop” to the desired extent.
Can a credit limit increase be requested?
Yes, all users can request a raise credit limit From Nubank in the app itself. This process is very simple and should also be done in the credit card area, where the customer has to select the “Set Limit” option and then click on “Request Increase”.
After following the steps described above, you will need to enter the desired value or choose one of the suggestions indicated by Nubank itself. Once this is done, on the next page, the user has to inform the reason for the request and wait for a new order credit analysis of digital banking.
See how the build limit function works
The build limit function is a great choice for people who don’t have a file Good credit history. “[…] The primary purpose of creating the card is to help low-income people, negative name Or a history of debt to access credit — something that’s very limited to these people,” Nobank explains.
The credit card to build a limit allows the organization to establish “trust” in the customer and understand his consumption profile. In this sense, the user deposits an amount that will be used as security for payment and the resource is automatically released as credit, that is, the customer is responsible for adding his limit. More information about the service can be found on the website or blog nubank.
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