So almost everyone nowadays chooses to use a credit card. What was once considered a luxury has become the best alternative over the years, due to the ease of carrying out 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, there are still some people who question whether it is worth using the card, 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 acquire it.
First of all, what is the Nubank credit card and how does it work?
One issue that certainly ruins many people's day is the fact that people have to queue at banks to make transactions, an outdated bureaucracy.
That's why several companies like Nubank decided to innovate in the market, creating digital banks, which allow their customers to control and access actions without bureaucracy and are leaders in agility and practicality, using just an app on their cell phone.
However, you will be able to carry out all transactions that require physical presence through your smartphone, companies have worked hard to solve their customers' problems.
What are the main advantages of having a Nubank credit card?
So, as we mentioned above, the Nubank credit card has a great advantage, which is 100% digital control of your actions, bringing convenience to its customers, but the benefits don't stop there.
Therefore, below check out its main advantages:
1. Have access to a virtual credit card
Nowadays we know how safe it is becoming to make transactions and purchases online, but we must always be aware of scams, as they are everywhere, and with this in mind, Nubank created the virtual Nubank 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 in other digital cards, is the accumulation of discounts that you will receive if you pay in advance for a portion of a purchase, thus making you pay much less at the end of the bill, an exclusive to Nubank customers.
Remembering that many digital banks do not offer this possibility.
3. Free digital account
Even so, the card still has a dual option, when it can be used as a debit card like conventional banks, adapting to all customer profiles.
However, you will create a fully digital account where you can store your money and still make purchases using direct debit from your account.
Furthermore, the digital account allows you to earn an even higher return than conventional banks, earning 100%, the average return was 2.15% per year.
How to apply for a Nubank credit card?
However, citing all the options that the Nubank credit card brings to its customers, we come to the conclusion that the Nubank credit card may indeed be the card that brings the most benefits to the customer.
Therefore, the bank's convenience extends to every step of the way. Want to apply for a Nubank credit card? Rest assured, you can do it from home, free from banks and lines.
You will only need your cell phone to request your Nubank credit card, free of any bureaucracy. See below the step-by-step process.
Nubank Credit Card: Is it really worth it? How to apply?
First, you will download the Nubank app on your cell phone, from the Google Store or Apple Store, when you open the app you will click on start.
Then, some personal information will be requested, such as date of birth, CPF, among others, for the Nubank team to perform a credit analysis for the customer.
However, shortly after, you will have to confirm via email, which is very easy and safe. You will then provide some more information 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, remembering that the delivery fee expenses will all be covered by the company, thus leaving your customer exempt, in the next step you will only have to activate the card, and you will also do this through the application.
Can my application be rejected?
But it's not all sunshine and roses, is it? During your analysis, you won't always be approved to be a Nubank credit card customer.
However, this is due to the strong demand for Nubank card applications, so the analysis team has strict requirements to be able to make a good selection of customers.
However, data shows that it doesn't seem that complicated, since the number of approved candidates is almost 10 times higher than the number of rejected candidates, and even if you are rejected, you will have a new chance to apply in 90 days.
However, without mentioning the cases where low-income people and even those with bad credit had their requests 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 in the financial market. You can request yours by clicking the button below, follow our website and stay up to date with the best offers in the financial market.
