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Have you ever applied for credit on Shopee? Were you unaware of this type of credit, even though you are a customer?
This online sales platform has developed an innovative pre-approved loan service integrated with ShopeePay, where an innovative area of financial flexibility is made available to its customers.
The e-commerce platform's new credit option aims to contribute as a more viable and comprehensive financial solution, as well as being accessible to people who use its services.
Continue reading and find out more about this Shopee service.
How does credit work on Shopee?
First of all, it is worth highlighting that Shopee is among the world leaders in e-commerce sales.
Therefore, it recently decided to go further and launched SCrédito, which is a loan option aimed at users of its services.
In short, this service is an extension of the ShopeePay digital wallet, which aims to provide customers with a more practical and flexible credit option.
Thus, this service provided by Shopee focuses on providing a credit limit for more convenient loans, without charging fees when activating it through SCrédito.
Additionally, it is perfectly possible to make in-app purchases or withdraw money to the customer's bank account.
However, once you take out the loan and the amount is available in your ShopeePay account, it will no longer be possible to cancel it.
This way, before you apply for the Shopee credit It is necessary to think carefully beforehand so that there is no regret later and it is no longer possible to reverse the situation.
In turn, it is important for the person to know that activating SCrédito refers to contracting the credit limit.
Therefore, in the case of the release of the requested amount and withdrawal, this happens based on the limit available in the ShopeePay wallet.
Here, it is worth highlighting the following situations:
- There are no activation fees for SCrédito;
- After the loan has been approved and the amount has been disbursed, cancellation is not possible;
- The amount can be withdrawn or used on the Shopee platform.
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Shopee Credit: How to apply for it?
First, you must activate SCrédito to have access to the loan that can be withdrawn and used at any time.
However, it is worth remembering that the available credit limit is based on the eligible assessment terms and conditions.
Then, after activating your account on the platform, you can request a loan withdrawal based on your approved limit.
As a result, the amount of loan is credited directly to the ShopeePay wallet, where the person can use it however they want, transfer and make purchases.
So, access your Shopee app:
- Click on “I" in the bottom corner of the screen;
- Click on ShoppePay to activate your digital wallet, accepting the terms, conditions and privacy policy;
- When you click on configure, a verification code will be sent to the phone registered on the platform;
- Then select “SCredit”;
- To withdraw Credit you will need to verify your account. ShopeePay.
It is worth remembering that to use SCrédito it is important to have an active ShopeePay account, as the loan payment is made through this account.
In short, this Shopee digital wallet was created precisely to enable payment for virtual purchases, transfers between users and granting credit.
How do I increase my limit?
SCrédito is an excellent way to take out a quick and practical loan on the e-commerce platform.
In this sense, if you want to increase your limit, one of the best ways is to use the service in a healthy and conscious way, always keeping your payment history up to date.
As a result, your limit will naturally increase based on the analyses constantly carried out by the platform's system.
See other tips to benefit from increased credit.
Keep your payment history up to date:
Meeting your payment obligations is essential to developing a good financial schedule.
Pay your expenses at SCrédito always on time, trying to avoid any delays or half-payments.
Conscientious and punctual payment practices will be well regarded when increasing your credit limit.
Try to avoid defaulting on other Shopee credit services:
Keep in mind that SCredit will not be the only factor that will influence the increase in your credit limit.
Remember that if you have other credit services such as SParcelado, for example, it will be extremely important to keep your payment history up to date on these lines as well.
Having payment problems with other forms of credit on the platform will negatively affect your chances of getting an increase in your credit limit.
Who can get Shopee Credit?
Initially, one of the main requirements to access SCrédito is to be at least 18 years old.
This rule is a requirement established in accordance with current legislation that stipulates a minimum age of 18 years for contracting credit services.
Finally, to acquire this credit you must be a Brazilian citizen, since the credit is aimed at this audience.
Therefore, a valid identification document will be required, such as; CPF, RG and CNH, this requirement is important to give legitimacy and security to financial transactions to avoid fraud.
Conclusion
Request the Shopee credit can be a good alternative to get your accounts up to date.
This credit is offered very simply and quickly through the app.
However, it is worth remembering that if you are going to take out a loan, do so in a planned and conscious manner, after all, you do not want to unbalance your financial life.
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