Nubank is Brazilians' favorite digital bank, but despite its resounding success and thousands of customers in the country, some of its decisions still frustrate many consumers. One of the main reasons for discontent is the limit increase of credit card.
It is common for users to request a higher limit on their card and have their request denied by the financial institution. This happens because the bank carried out a credit analysis and ended up understanding that it is not a good idea to release more margin for credit purchases, otherwise it will end up with yet another defaulter.
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However, there are some ways to increase your chances of getting a positive response from Nubank and achieving the limit of your dreams. These practices are linked above all to the user's relationship with the bank and the good management of their finances.
Nothing better than demonstrating that you are a good payer to get more credit. By paying invoices on time and maintaining a consistent financial history, without debts and delays, the institution financial institution understands that the risk of default you offer is low and ends up offering you a limit bigger.
Debts owed to other banks and companies may also be included in Nubank's analysis, so it is important not to delay paying any bill, whether bank or non-bank. Avoid delays and choose to pay the amount in full, as the minimum payment can put you in a snowball of interest.
To make the bank understand that your relationship with it is serious, it is worth using the account to carry out routine transactions, such as transfers and bill payments. Another good strategy for strengthening ties is to purchase more products and services, such as insurance and investments.
Some practices that can also help you achieve the desired limit are: keeping your income updated in the app, use the entire credit card limit before ordering more and manually requesting the increase on the credit card platform Nubank. All of these strategies are complementary to the previous ones.
