So almost everyone nowadays chooses to use a credit card; what was once considered a luxury has become, over the years, the best alternative due to the ease of performing actions instantly.
However, when we talk about credit cards, we can't forget Nubank, which, while not the most successful on the market, is at the top of the list due to its advantages.
However, some people still question whether it's worth using the card, while others simply have many doubts about how to apply for the Nubank credit card.
Therefore, we decided to write in this article everything you need to know about the Nubank credit card; you will learn what its advantages are and how to get one.
First of all, what is the Nubank credit card and how does it work?
One issue that certainly disrupts the day for many people is the fact that they have to stand in line at banks to carry out transactions, an outdated bureaucracy.
That's why several companies, like Nubank, decided to innovate in the market, creating digital banks that allow their customers control and access to actions without bureaucracy, leading in speed and practicality, using only an app on their cell phone.
However, you can now perform all transactions that previously required physical presence using your smartphone; companies have worked hard to resolve their customers' problems.
What are the main advantages of having a Nubank credit card?
As mentioned above, the Nubank credit card has a major advantage: 100% digital control of your transactions, bringing convenience to its customers. But the benefits don't stop there.
Therefore, check out its main advantages below:
1. Having access to a virtual credit card
Nowadays we know how much safer it is becoming to make transactions and purchases online, but we must always be aware of scams, as they are everywhere, and with that in mind Nubank created the Nubank virtual credit card.
However, the virtual credit card has the same functions as the physical one, but it offers greater security, having a different number and security code.
2. Discounts for early payment of installments
Therefore, another benefit , rare among other digital cards, is the accumulation of discounts you'll receive if you prepay an installment of a purchase, allowing you to pay much less on your final bill – an exclusive benefit for Nubank customers.
Keep in mind that many digital banks do not offer this option.
3. Free digital account
However, the card still offers a dual option, as it can be used as a debit card just like those offered by conventional banks, making it suitable for all types of customers.
However, you will create a fully digital account where you can store your money and even make purchases using direct debit from your account.
Furthermore, the digital account allows you to earn even more than conventional banks, earning 100%, with an average return of 2.15% per year.
How do I apply for a Nubank credit card?
However, considering all the options that the Nubank credit card offers its customers, we conclude that the Nubank credit card may indeed be the card that brings the most benefits to the customer.
Therefore, the ease that the bank brings to the customer is in all actions. Do you want to request a Nubank credit card? Then rest assured because you can do it from the comfort of your home, free from banks and queues.
You will only need your cell phone to request your Nubank credit card, free of any bureaucracy. See the step-by-step instructions below to complete the process.
Nubank Credit Card: Is it really worth it? How to apply?
First, you will download the Nubank app on your phone from the Google Play Store or Apple Store. Once you open the app, click on "Get Started.".
Then, after that, some personal information will be requested, such as date of birth, CPF (Brazilian tax identification number), among others, so that the Nubank team can perform a credit analysis for the customer.
However, right after that you will have to confirm via your email, which is very easy and secure, then you will provide some more data to the application, such as photos and proof of income, which are mandatory during the process.
After that, the company will have up to 30 days to deliver the card to your home. Remember that all delivery fees will be covered by the company, thus exempting your customer from any further costs. In the next step, you will only have to activate the card, and you will also do this through the app.
Could my application be rejected?
But it's not all a bed of roses, is it? During your application process, you won't always be approved to become a Nubank credit card customer.
However, this is due to the high demand for the Nubank card, so the analysis team has strict requirements in order to make a good selection of customers.
However, data shows that it doesn't seem so complicated, since the number of approved applicants is almost 10 times greater than the number of rejected applicants, and even if you are rejected, you will have another chance to apply in 90 days.
However, this does not include cases where low-income individuals, and even those with negative credit histories, had their applications approved by the bank.
Final considerations
So after all this explanation you can see that yes, the Nubank credit card is one of the best options on the financial market. You can request yours by clicking the button below. Follow our website and stay up-to-date on the best offers in the financial market.