One of the biggest annoyances for Nubank users is the result of the credit analysis, as in most cases it generates a low limit. Even those who meet all the requirements, such as having an active banking relationship, a high income and even paying their bills on time, complain about the low amounts available. However, in July 2021, fintech focused on launching the Ultraviolet card Nubank.
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Many customers saw a chance to be granted a higher limit. The advertising campaign had the participation of the singer Anitta who, at the time, was also presented as a new member of the board of Nubank.
Many expected that, with the new card, the limits would be similar to the black card limits of other financial companies. This is mainly due to the requirements required for its acquisition. But does Nubank's Ultraviolet card really guarantee high limits? This is what you will see now!
Does having the Nubank Ultraviolet card guarantee me a limit increase?
The answer to this question that many want to know is: It depends! After all, to win the Nubank Ultraviolet card, the user undergoes a new credit analysis. With that, the much-desired increase may or may not be granted.
Fintech has an official community, NuCommunity, where many customers have posted their experiences related to contemplating the Nubank Ultraviolet and increasing the limit.
Ygor, a member of the community, questioned in a post: “I really liked the idea of Ultravioleta, but I believe that Nubank did not provide the main attraction of a ‘black’ card – the high limit. I would like to hear from you who have already received ultraviolet, has there been an increase in the limit or not?”
Some NuCommunity participants said they had a significant increase, but when canceling the Ultraviolet card, the limit returned to the original. This was the case of Vitória, who reported the following fact: “My limit was 9,000 and when I joined the UV it increased to 20,000. When I chose to go back to Platinium, the limit went back to the original 9,000.”
Others commented that they did not have a limit increase, but even before receiving the Ultravioleta card from Nubank, the amount available for credit use was already high.
“Mine just arrived and I didn't get a limit increase, but I already have a pretty high limit, so I wasn't expecting something like that. One thing I noticed, and maybe I have to open a ticket, is that I can't see the card data, maybe it's a bug or delay in activation”, reported Gabriel.
Another user posted Nubank's own explanation of the increase in limits in the community. Check it out below:
Will I have a limit increase when ordering the Nubank Ultravioleta card?
We expect to be able to offer higher credit limits to our Nubank Ultravioleta customers. At this first moment, we cannot guarantee this instantaneous increase, but we are studying ways to make more credit limits available, and we'll let you know if you might receive a higher limit. high.
Remembering that the limit should always be compatible with your spending. That is, the more you use Ultraviolet, the more chances you have of having a higher limit.”