PagBank customers can now increase their credit limit themselves. The value is increased by the institution itself, referring to the profile of each consumer, in accordance with the bank's own rules.
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Following the initiative of other institutions, PagBank allowed the user to increase the limit on his own. It is not a norm for all banks, as the vast majority of customers need their relationship manager to negotiate and authorize the increase, being mandatory that they present documentation to prove the ability to pay for credits of amounts bigger.
The strategy is to facilitate the process and follow the trends of other banks, thus allowing the user to increase the limit by himself. However, the service is available to customers who have products offered by the bank, such as a new limit offer on the Bank Deposit Certificate (CDB).
In this way, those who invest directly in the CDB can increase the limit themselves through PagBank. The release of the new limit occurs two days after the investment, with all contractual changes made by the bank. According to regulations, when redeeming the certificate, it is guaranteed that the credit value remains in the account. In this way, it is possible for the customer to increase the limit on their own, as the bank has a payment guarantee with purchases made via card.
It is important to keep invoices up to date to avoid freezing and debiting the amount corresponding to the credit. With the use of these tools, the bank gets to know the customer better and builds confidence in the limit increase.
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