Nu Limit Guaranteed: get high credit even with a dirty name

Have you ever imagined having a credit card with a high limit, even though you have the dirty name? It seems impossible, but at Nubank, this is possible!

Nubank is a digital bank that offers several benefits to its customers, such as zero annuity, cashback, financial control and much more.

However, currently one of the main differentials of the institution is the Nu Limite Garantido, a function that allows the user to proactively increase their limit, leaving an invested amount as guarantee.

How does the Guaranteed Nu Limit work?

Nu Limite Garantido is a way for you to have more autonomy to use your Nubank credit card, even if you are negative with the SPC or Serasa. The function is not yet available to all customers, but many can already take advantage of it.

To use the Nu Limit Guaranteed, you need to invest money in the Box from Nubank in the form of RDB, which is a safe and profitable type of investment.

Nubank's RDB yields 100% of the CDI, has immediate or daily liquidity (depending on the type of Caixinha) and is protected by the Credit Guarantee Fund (FGC).

The proportion is 1 to 1, that is, each R$ 1 invested generates R$ 1 more than the limit to use on the credit card. For example, if you have a limit of BRL 500 and invest BRL 300 in Caixinha do Nubank, your limit becomes BRL 800.

The amount invested is blocked for redemption while it is being used as collateral. If you do not pay the invoice by the due date, the amount invested will be used to partially or fully pay the debt, depending on the amount available. But if you pay correctly, the money will continue to be invested and earning.

How do I request a limit increase?

To use the feature, just follow the steps below:

1. Open the Nubank application and enter the credit card area;
2. Click on “Adjust limit”;
3. Tap on the “Nu Limit Guaranteed” option;
4. Read the information and click on the little arrow in the left corner of the screen;
5. Select the option “Create Nu Limit Guaranteed”;
6. Choose the amount you want to use as collateral;
7. Check your new credit card limit and read the information;
8. Tap “Continue”;
9. Enter the 4-digit password.

Ready! Now you can use your credit card with more limits and peace of mind.