Nubank allows PIX to be paid in installments; See how we do
According to the information received from nubankfintech customers who have a limit available to their credit cards can choose to use it at the time of transfers via PIX. This means, in other words, that if you have a limit on your card, you don’t necessarily need to have an account balance available to use PIX. In addition, the method is available to both individuals and legal entities.
In this way, the file pix in installments It’s a great option for those who need to make the transfer, but don’t have enough balance in their account at the moment. With this function, the customer can still choose to split the total amount up to twelve. However, it is important to note that this option generates interest on the total amount of the amount sent.
Therefore, the option is useful for those who need to make a transfer, but do not have enough balance in their account. This way, instead of using the money from the digital account, the process will be carried out at the credit card limit, with the fees stated on the invoice.
There is no difference as to who receives the PIX, as the funds usually drop immediately. However, before using this feature, it is important to plan financially, as PIX on a credit card has interest and IOF fees.
As mentioned earlier, two rates are applied to the transaction: interest and financial transaction tax (IOF). While the interest rate is 3.99% per month, the interest rate ranges between 0.38% and 3.38%.
How do you use the new function?
Finally, using the function is very simple, since the method is practically the same as the method used to send a PIX with an account balance. Here’s a step-by-step guide:
- Access to the application Nubank.
- Go to the Pix area;
- Select the transfer option and enter the Pix key;
- Enter the value to be sent;
- On the payment screen, click “Choose Transfer Method”.
- Once done, tap on the Credit Card option;
- choose the number of installments;
- On the confirmation screen, confirm the data and check the fees that affect the process;
- Click “Transfer”; And the
- Finally, enter the password.
After performing these actions, the transfer amount will be added to your credit card bill, without taking money from your balance.
In this way, PIX is used with Credit card It’s very simple. Whatever the case, Nubank users can now access this new functionality.
In addition to Nubank, other digital banks already have this method, such as PicPay.
