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It seems like a lie, but the dream of thousands of Brazilians is to have a Nubank credit card approved.
This happens because the fintech has a reputation for easily approving credit cards, even for customers with bad credit.
In fact, it's not just fame, it's a fact. Easy approval is one of the card's main advantages.
So, are you curious to know if there is any way to increase your chances of approval with this card?
In this text, we will mention not just one, but 6 tips that can help you.
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1. Keep your data up to date
To increase your chances of having one Nubank credit card approved, it is essential to keep your registration always up to date.
Accurate and up-to-date personal and financial information, such as address, income, and marital status, are essential to demonstrate your seriousness and increase the reliability of your profile.
Whenever there is a change, especially in your income, it is essential to update the app.
2. Salary portability
Porting your salary to Nubank is an action that can significantly increase your chances of having the card approved.
The process is very simple, although you need to wait for the portability request time, it is a simple and quick process, and you do it through the app.
When you start receiving your salary from Nubank, it can track your earnings and expenses; it has access to your payment capacity and also knows how you use your money.
With this information, you can create a transparent relationship with the Fintech, increasing your chances of having your Nubank credit card approved.
3. Save and invest money
There are different ways to invest and save money at Nubank, and all of these ways can increase your chances of approval.
You can, for example:
- Leave money separate from the balance;
- Invest in bitcoins;
- Create little boxes and save every month;
- Traditional investments at Nu Invest.
In fact, you can diversify and use multiple tools simultaneously. In addition to having a credit card approved, you can also access a pre-approved loan limit.
Nubank has a loan that uses the balance as collateral, which is not an interesting or intelligent alternative (perhaps it has already been discontinued, because this option has not appeared in the app for a few days).
Another loan option is one with investment collateral, but it is also possible to obtain access to a personal loan.
+ Does money saved at Nubank yield?
4. Limit Construction
Nubank's Credit Limit Building feature is a great option for those who want a credit card but don't yet have a sufficient credit history or have a negative credit history.
This feature allows you to reserve an amount from your Nubank account to use as your card limit.
First, you'll need to choose an amount from your account to set aside as a limit. Nubank doesn't require a minimum amount, but you can set aside up to R$1,000,000.
Then, use the physical or virtual credit card for your everyday purchases.
Pay your card bill by the due date. Each on-time payment demonstrates your responsibility and helps build your credit history.
Over time, and depending on your good payment behavior, Nubank may increase your available limit, even if you don't make new reservations.
5. Move your account
Another important point is to move the digital account Nubank, if you already have one.
Deposits, withdrawals, bill payments, and transfers are actions that demonstrate account activity and can increase your credibility.
Additionally, use your debit card to pay for your physical purchases and take advantage of other services and features offered in the app.
6. Be a good payer
Keeping your credit history clean and having a good credit history is important for anyone wanting to get a Nubank credit card approved.
However, if you managed to get credit even with a bad credit rating, it probably isn't very high and doesn't meet your needs.
Therefore, to increase your income, always pay your bills on time, negotiate your debts, and put the 5 previous tips into practice.
It's also crucial to avoid excessive credit applications in a short period of time. Each application generates a check on your credit score, which can reduce your chances of approval.
Plan your credit applications carefully to avoid damaging your financial profile.
Income also plays a vital role in the approval process. Providing a compatible and verifiable income is essential to demonstrate that you have the financial stability to use credit responsibly.
Although Nubank doesn't require a fixed minimum amount, having a stable income can be a significant differentiator in the analysis.
Finally, a valuable tip is to maintain a good relationship with other financial institutions. Having a good relationship with your current bank can be a plus when evaluating Nubank.
Read also: Rico credit card: option with Investback and no annual fee
Advantages of the Nubank Credit Card
Once approved, the Nubank credit card offers a series of advantages that make the user experience more convenient and efficient.
One of the main advantages is the waived annual fee, a feature that represents significant savings compared to traditional cards. This savings allows users to enjoy all the card's benefits without additional costs.
Full control via the app is another key advantage. The Nubank app allows you to manage all of your card's features quickly and easily.
From adjusting your credit limit to temporarily blocking your card, everything can be done directly through the app, providing users with greater autonomy and security.
Efficient customer service is one of Nubank's strengths. The support team is known for its agility and humanized approach, ready to resolve any issue quickly and effectively.
This proximity to the customer is a differentiator that increases user confidence and satisfaction.
Finally, security and transparency are pillars of the service offered by Nubank.
For example, real-time notifications for every transaction and advanced security technology ensure complete control and protection of user information, providing a safe and reliable experience.
Troubleshooting Your Nubank Card
Nubank is known for its quality services. But sometimes you may encounter issues with your credit card. Don't worry, Nubank's customer service team is ready to help.
If you don't recognize a purchase on your statement, you can dispute it through the Nubank app. Go to the "Help" tab, select the purchase, and follow the instructions. Nubank will verify and, if necessary, refund the amount to your statement.
If you're having trouble paying your bill, contact Nubank. They offer installment and negotiation options to help. This can help prevent future problems with your card.
If your card is lost, stolen, or damaged, you can request a replacement through the app. The new card will arrive at your address within a few business days. This means you can continue using your card without any hassle.
For personalized support, you can use the in-app chat or call us. Nubank is available 24/7, so you can always get the support you need.
+ How do I increase my Nubank credit card limit?
Conclusion
Have the Nubank credit card approved can transform the management of your financial life, offering practicality, savings and quality service.
By following these tips, you'll increase your chances of approval and be able to take advantage of all the benefits Nubank offers.
Maintaining responsible financial behavior is essential to ensuring a positive relationship with the bank and avoiding future problems.
For those looking for a modern and efficient credit card, Nubank is undoubtedly an excellent choice.
Share your experience with the card and help others better understand how this innovative service works.
Remember: information is power! Use it to make smart and sustainable financial choices, ensuring a more peaceful and organized financial future.
