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Did you know that it is possible to make PIX with a credit card? Find out all the details about the procedure now, read until the end and check it out!
If you are a consumerist, you should certainly use your credit card as your main form of payment, especially in emergency situations.
But there are still professionals who only accept cash or PIX as payment. What do you do if you need to take your child to a clinic that accepts PIX but does not accept credit cards as payment?
Luckily, financial institutions are modernizing to meet consumers' needs as much as possible and the new thing now is the possibility of use the card limit to make PIX.
In this content, we have separated all the information on how to make PIX with a credit card and the main banks that offer the feature. Want to know more? Continue reading and get all your questions answered.
What is PIX and how does it work?
The Central Bank recently created an instant payment method that has become popular with consumers – the famous PIX. So, at any time, you can make money transfers 24 hours a day, 7 days a week and the balance will be deposited into your account in a matter of seconds.
The ease of transferring funds and the exemption from fees attracted consumers, especially some freelance professionals who decided to leave the card machine aside and use only PIX or cash as payment.
To use PIX, the first step is to register your bank keys, which can be your cell phone number, CPF/CNPJ or email. Then, when you receive an amount, just enter your key and the money will be deposited into your account instantly.
However, to make the transaction you need to have a balance in your account, but luckily Some institutions have released the credit card limit for this. This way, you can use your card limit to transfer in the form of PIX when the company does not accept another payment method.
How to make PIX with a credit card?
The first step to carry out the procedure is to have access to an account or digital wallet in an institution that works with this financial resource and register the credit card.
So, in the PIX clipboard, instead of selecting the “account balance” option, select the “Credit Card” option and enter the desired amount. By the way, Some institutions also allow PIX in installments. This way, you can transfer the money in cash and pay the most convenient installments to the financial institution.
However, banks usually use fees and interest rates when contracting the resource. Therefore, for now, this practice should only be used in cases of necessity, as we mentioned at the beginning of the text.
How to make direct installments via PIX?
Since its launch, PIX has undergone several changes and improvements, such as PIX change and the PIX collection. Therefore, direct installment payments through the system have been studied and the Central Bank is working on this modality – Guaranteed PIX.
With due recourse, you will be able to Pay for your purchases in installments using PIX as if it were a credit card, but without the charge of fees and charges. In addition to being able to schedule payments on a specific date using the balance in the account as collateral. The official launch date has not yet been scheduled, but it is expected to happen in 2022.
The best banks to transfer PIX with a credit card
Returning to the words from the previous table, we saw that to transfer a PIX using a credit card you need to have an account or digital wallet at a financial institution that works with this method.
We have put together a list of good options for institutions where you can open an account and have this reserve in your hands whenever you need it. But first of all, don't forget that Additional fees and charges are charged for the service on all transactions.. Okay?
DIGIO
Digio is a digital account with credit card Free with an exclusive feature to transfer PIX with a credit card and even split it! The installment can be made in up to 12 times, but a fee of 9.99% per month is charged. The minimum amount is R$50.00 and the maximum is R$3,000.00.
PICPAY
Another option is to join the digital wallet PICPAY to make payments with all types of credit cards and with the installment option included. First, you need to open your digital wallet and register your cards as a payment method.
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After that, the procedure to make the transfer is very simple. In the PIX area, enter the desired amount and disable the balance function as a payment method. Then, select the desired credit card and that's it!
MERCADO PAGO
Now consumers can also easily make PIX payments with a Mercado Pago Credit Card. However, this feature is only available to customers with pre-approved credit with the institution. The minimum amount is R$$15.00 and there is the option to pay in up to 12 installments.
SANTANDER
Banco Santander customers can use both their account limit and their credit card limit to make a PIX. The best thing and one of the differences is that exemption from fees for up to 10 days, as well as the special check.
To use the benefit is very simple, just keep your CPF or cell phone as PIX keys in your Santander account. In addition to getting this special type, you also get the annual fee Santander SX Credit Card. Another important detail to draw your attention is the installment plan of up to 24 times, available for PIX from R$100.00 and above.
Conclusion
Did you see how easy it is to make PIX payments with a credit card? If you don't have an account with one of these institutions yet, we recommend that you invest. This way, you have an extra limit to transfer as a one-time payment whenever you need it.
While PIX Garantido is not yet available to consumers, it is important to use the feature only in times of need, such as in the case of financial problems with your family or pets. After all, the interest rates are quite high and in the end, only the fees will allow you to buy a new pair of shoes. So why take the risk?
Did you like this content? Share this information with your friends and family who need a little financial help. Take the opportunity to also learn about Santander SX Credit Card. Click the button below and check out all the details.
