Digital bank applications have already been used by Brazilians for some time to carry out their banking operations, as with them it is possible to move money and make other transactions in a practical way, without having to leave the place and without giving up the security.
Over the years, several institutions operating only through digital have emerged and physical banks have also shown strong evolution in terms of scenario, starting to create and make available robust applications in order to make life easier for its customers, especially during the pandemic period in Brazil.
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The month of December is always marked by the end of the year festivities. In addition to the traditional Christmas, there are also various get-togethers at companies, games like secret friends and, of course, meetings with family and friends. Consequently, expenses tend to increase during this period.
In this way, Nubank, the digital bank that opened the doors of the segment when it was launched, decided to create in its application a specific function for people who seek to have a pre-approved credit card, but who have not yet they got it.
Through the cap building feature, customers can be more likely to conquer what they need in a very simple way. As all institutions do, upon receiving a request, a credit analysis according to user history; if it is bad, the card is denied.
With the option to build credit provided by Nubank, it is possible for the customer to add balance to use the credit card. That is, if a person wants to make a purchase of R$ 100.00, he can deposit the amount in his account and reserve it to be used with the credit function.
The allocated amount is separated from the amount until the invoice is paid. When paying, the user has two options: use the money separately or pay in another way and continue building his credit.
This function is very useful when the customer wants to show the bank that he can be a good payer. But, if there is certainty that the credit analysis will be positive, there are other more advantageous options available on the market.
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