Generally, purchases made using debit cards require the customer to have enough money deposited in the account to settle the value of the object. However, Nubank already plans to allow its customers to pay for purchases made by debit in the future.
In this sense, the bank's main idea is to allow its customers to pay off debts with higher interest rates first and, only after that, pay off debts with the debit card. Want to know more? Follow!
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The idea of the digital bank is to ensure greater flexibility for its customers. This way, they won't have to pay the debit purchase right away, but only in the future, thus allowing their customers to have greater control of their payments.
This new feature will allow customers to make purchases that require cash payments, get discounts if they cannot pay for purchases on credit, or even make purchases above the credit limit. card.
With this, the bank believes that its customers will be able to have more control over their own money and make several purchases. It is worth remembering that purchases made in this way can be paid in up to 12 installments.
To activate the service is super practical. First, access your card application, select the purchase you want to pay in installments and click on the “Pagar this purchase in the future” option. After that, the history of purchases made in the last few days will appear. Select the purchase you want and click on “Pay later”. Read the terms and conditions, click finish the operation and that's it. Your purchase will only be paid later.
Finally, it is worth mentioning that purchases made in this modality cannot be less than R$ 30.00 and that payments will have interest rates. It is an alternative that promises good flexibility to customers, but it is necessary to be careful in the shopping time, as paying very high interest rates can be like “exchanging six for half dozen".