Up to R$5,000 in Credit for Those with Bad Credit from Nubank!

In an innovative initiative, Nubank launched a specific solution to meet a growing demand among Brazilians: access to credit for people with negative credit records.

We present “Nu Guaranteed Limit”, a fintech feature that offers users with financial restrictions the possibility of obtaining a credit limit of up to R$5,000.

This option is intended to facilitate access to credit for those with a bad credit record, following the fintech’s trend of seeking inclusive solutions.

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How does the Nu Guaranteed Limit work?

The innovation behind this new service is that Nubank waives the traditional credit analyses that generally prevent approval for people with a negative credit record. Instead, the fintech is betting on an alternative that uses the customer’s own investment in Nubank as collateral.

This means that, when reserving a certain amount in RDB (Bank Deposit Receipt), which yields 100% of the CDI, customers can access an extra limit on their credit card simply and without bureaucracy.

Step-by-step guide to accessing Credit at Nubank

Getting this extra credit at Nubank is a straightforward process designed to financially include those who are outside the credit market. See how easy it is:

1. Open the app from Nubank and go to the credit section;
2. Select “Adjust limit”;
3. Choose the “Nu Secured Limit” option and set the amount you intend to reserve as collateral;
4. After confirming the operation, your credit limit will be adjusted immediately.

Tips for making the most of Credit for Those with Bad Credit

To maximize your chances of increasing your credit limit, certain financial behaviors can show Nubank that you are a trustworthy customer. Here are some tips:

• Payment History: Keeping bill payments up to date is essential;
• Updated Income: Make sure your income is up to date in the app to reflect your actual financial capacity;
• Frequent Card Use: Using your Nubank card regularly for purchases shows that you are an active customer;
• Total Invoice Payment: Paying the total invoice amount every month, avoiding interest, indicates good credit management;
• Early Installment Payments: Showing that you are able to make early payments on outstanding installments may favor a positive assessment for increasing the limit.

The creation of “Nu Limite Garantido” highlights Nubank's commitment to promoting financial inclusion by offering innovative products that meet the needs of all customer profiles, including those with negative credit records.

With this initiative, the expectation is that more people will be able to benefit from access to credit, an important step toward financial recovery and economic autonomy.