Oh Nubankwhen it receives a request to increase credit on the card, it analyzes the financial information in the market related to the applicant. However, when the add-on is not approved, customer frustration becomes inevitable, even so far as to cancel the card.
According to the digital bank, the analysis process is performed by algorithms that show the customer’s history, from card approval to credit increase. Therefore, the process is completely automatic.
Once a customer already has a Nubank credit card and requests an increase in credit, it is subject to projections of costs and risks of default made by the company itself. Thus, fintech examines all movements made by the customer with the card, from the amount of purchases to the payment of bills.
Another parameter that can be crucial to increase customer creditworthiness is Seras ’rating. If it is small, the buyer is unlikely to be covered.
How to increase the Nubank card limit
Digital Bank uses the financial data of its customers to publish any service. It is therefore important that the citizen has an orderly and healthy financial life. Care must be taken to pay the bills on the right date, and he must also use the card within the stipulated time and avoid excessive spending so as not to be indebted to the institution.
In addition, a good relationship with the bank can also help. Just claim other services offered by fintech, such as Nubank Rewards rental and Nubank Vida insurance. The use of a digital account should be conducive to approval analyzes.
However, it is easier to update the data entered in the application and follow the steps mentioned.
Release 50 R $ on platinum card
Oh Nubank already released the option Nubank platinum, which was available to those with low ratings and those customers who don’t spend a lot of money per month.
With the card, the customer will be able to initiate a credit limit 50 R $. After that, the user will be able to increase their limit depending on the use of purple. In addition, the customer can receive, among other things, several benefits, such as travel advice, international offers, insurance.
How to have Nubank Platinum?
If you agree to receive a platinum card and also agree to the benefits offered by the virtual card, the customer will need to update the virtual version via the Nubank app.
If the customer already had a virtual gold card, they will need to delete it and create a new one. Otherwise, simply create a virtual card and it will automatically go platinum.