Learn how to increase your Nubank credit card limit

Nubank has been conquering many customers and this is mainly due to the low bureaucracy of this bank, its very easy and intuitive online system and the absence of annuity and other fees on its credit. Currently, it is very difficult to find someone who does not have the roxinho – popular nickname given to this bank. However, normally new customers receive a very low credit limit: around R$50. If you want to know how to increase your Nubank credit card limit, then keep reading!

Some people can easily increase this amount just by requesting Nubank in their app, but for others it may take time. With that in mind, here is some information to help you get a higher credit limit:

How does Nubank define credit card limits?

The bank states that it makes a projection of the expenses of the possible client and analyzes the profile of use, the risks associated with the customer and other external data to define the initial value that they consider safe to offer.

This measure is just an initial contact between the new customer and Nubank and helps the company to avoid losses in case the payer contracts debts that he cannot afford. Furthermore, the idea is to know the customer's profile and, over time, offer a higher limit.

How to increase this limit?

Nubank will analyze customer data at other banks, at credit agencies and how their behavior is in relation to purchases and debt payments. However, with certain attitudes it is possible to achieve the desired increase:

• Use your entire available limit, so if you only have R$200 of credit, make sure you consume it completely;
• Always pay the invoice on time, that is, no delays;
• Never split your invoice;
• Update your in-app income on Nu;
• No revolving credit;
• Try to prioritize spending only on the purple card.

By following these tips, it is possible that you will achieve the dreamed increase in the credit limit at Nubank, see how to do it:

• Open the bank app;
• Select “Credit Card”, then click “Adjust” and then “Request Increase”, then enter the amount you want;
• Subsequently, the app will ask you the reason for this request, so choose the one that suits your needs;

From there, Nubank will analyze your request and contact you in the next few days.