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A special type of credit card, those issued by companies called fintech, as they allow negative customers to have access to a credit card, in addition to not charging fees and charging interest and lower fees. This is the case of Nubank. However, before choosing which Fintech credit card for negative people contract, analyze the interest charge on refinancing, as well as the conditions for paying the invoice in installments and whether there are other charges. For example, foreign expenses and late fees.
Another interesting point to analyze is the points program. And when evaluating the “work as a whole”, Nubank is one of the best options among credit cards issued by a fintech. Below we will present the main features of Nubank.
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Like many traditional cards, Nubank uses the Mastercard brand with Gold and Platinum versions. But in the case of Nubank, the customer has access to an account attached to the card. In addition, the interest rate for revolving credit (refinancing) is 2,75% to 14% per month and the rate for international spending is PTAX + 4%.
Nubank does not provide additional cards. On the other hand, there is no international withdrawal fee charged. IOF only. Furthermore, all movements are carried out in the application. And the forms of contact are varied. There’s chat, email, telephone and even social media. It is worth mentioning that support is 24 hours a day with no day restrictions. The credit limit is automatically increased. And there is still no option to pay the invoice via automatic debit.
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More information about this Fintech credit card for negative people
If you cannot pay the full amount of the invoice, there are two situations. The first is the charging of interest ranging from 3,75% to 15% per month, in addition to a 2% fine on the invoice value. in the second situation, the customer can refinance the invoice in up to 12 installments, with IOF and lower interest rates than revolving and late payments, in addition to fixed installments.
Furthermore, it is possible to have more benefits, such as discounts, by advancing installments. Using the app, you can also block or unblock the card, request a limit addition and change the expiration date.
To have this Fintech credit card for negative people, The minimum requirements are to be at least 18 years old, live in Brazil and have a smartphone compatible with the company's app.
Nubank has its own system for admitting new customers. Therefore, it does not consult the SPC and Serasa, which makes this fintech a good option for Fintech credit card for negative people. However, this does not mean that everyone who requests the card will be accepted by the company.
