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Nubank and Serasa Offer Special Conditions in August for Customers with Delayed Debts, Allowing Agreements with Up to 99% Discount, Installment Options, and Different Payment Methods to Regularize CPF and Recover Credit in the Market.
Nubank customers with restrictions on CPF can negotiate overdue debts with discounts of up to 99% throughout August 2025.
The conditions are offered in the Nubank app, in renegotiation campaigns such as the Recomeço program, and also on the Serasa Limpa Nome platform.
The opportunity generally applies to overdue credit card bills and unpaid personal loan installments, with options for one-time payments or installments.
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Who Is Eligible to Negotiate Now
In general terms, anyone who has an active debt with Nubank and appears as delinquent in the institution’s systems or in credit bureaus can receive a proposal.
In many cases, the eligible customer sees a notification in the app with negotiation possibilities, including updated amounts, conditions, and deadlines.
Even without notification, it’s worth opening the app to check for available offers, as they may be released for specific periods throughout the month.
How to Discover If There Is Debt on Your CPF
The consultation takes place in the app itself. After logging in with a password, biometrics, or facial recognition, the user should access “Credit Card” or “Loan”.
If there are any pending issues, the area displays the outstanding amount, overdue installments, and, when applicable, an agreement button.
In some profiles, a billing banner appears with a shortcut to negotiate. The verification is quick and helps understand the total debt before choosing to pay in full or in installments.
Step by Step to Negotiate with Nubank
Renegotiation can be done in three ways: in the app, through the digital bank’s customer service channels, or via the Serasa platform.
In the Nubank app, the flow is intuitive. In the card area, select “Make an Agreement”; in loans, tap on “Renegotiate”.
The system presents proposals, highlighting the final amount, discount percentage, applied interest, due date, and payment method.
Just confirm the option and issue the boleto, generate a Pix, or choose the indicated alternative in the app itself.
Those who prefer voice assistance can use the institution’s phone numbers. The numbers provided by Nubank usually separate capitals and metropolitan areas from other locations.
In any contact, it is advisable to check if the channel is official before sharing personal data.
The third option is the Serasa Limpa Nome, available on the company’s website and app. The consultation requires CPF and security validation.
There is also in-person service at partner postal agencies, upon presenting a photo ID, as well as WhatsApp support through the official channel provided by Serasa.
On the platform, the consumer sees active offers, compares conditions, and concludes the negotiation in a few steps.
What Is the “Recomeço” Program
The Recomeço is a renegotiation campaign announced by Nubank to facilitate settling accounts for customers facing financial difficulties.
The initiative includes high discounts, which can reach up to 99% depending on the debt profile and current policies.
Eligible customers are notified in the app and can simulate amounts and deadlines.
It is important to emphasize that eligibility and conditions change according to the contract history, delay, and enrollment date. Therefore, two individuals with similar debts may receive different proposals.
Serasa Limpa Nome Fair: Discount Drive
In addition to the offers from the digital bank, consumers can take advantage of drives like the Serasa Limpa Nome Fair when active.
During these events, partner companies usually offer agreements with large discounts and extended installment terms, with payment via boleto, Pix, credit card, or Serasa Digital Wallet balance.
To participate, one must access the Serasa app or website during the fair period and check the specific conditions. The system itself indicates whether Nubank has a proposal linked to the consulted CPF.
Payment Methods: One-Time and Installments
One-time payment tends to concentrate the largest discounts, as it immediately closes the contract and reduces the risk of future delinquency.
When opting for this modality, it is crucial to respect the due date indicated in the agreement to ensure the promised discount and avoid losing conditions.
Installment payments cater to those who need to dilute the impact on their monthly budget. In this option, the customer assumes fixed installments, with interest applied.
The tip is to simulate scenarios in the app and compare the total cost of the agreement with actual payment capacity.
It is worth noting that if an installment is not paid, the contract may be canceled, and the conditions lost.
Operational Tips for Secure Negotiation
Before closing, carefully review the agreement fields: debt description, original amount, applied discount, charges, and payment method.
Keep the receipt after payment, preferably in more than one location. In contacts initiated by third parties, confirm the channel in the Nubank app or in the official profiles.
Never share security codes received via SMS or email outside the app. If opting for Serasa, ensure you are logged into the official app and that message support uses the number disclosed by the company.
After Payment, What Happens to Your Registration
With full payment or confirmation of the first installment of an agreement, the creditor institution requests the bureaus to remove the negative registration associated with that contract.
The process usually concludes within a few business days but may vary depending on the payment date, the chosen method, and the data update routine of the databases.
The reactivation of limits or the release of new products, such as credit card and loan, is not automatic. Each institution re-evaluates the risk profile individually, considering payment history and income.
What to Consider Before Joining an Agreement
Negotiating in August 2025 can be advantageous for those who received a proposal with a large discount or need to regularize their CPF to contract services, rent property, or apply for financing.
Still, the decision should depend on your budget. If full payment compromises essential expenses, one alternative is to prioritize debts with higher interest rates and leave renegotiation for when there is financial breathing room.
In any scenario, avoiding new delays is crucial to keep your name clean and rebuild your credit history.
In Summary: How to Take Advantage of August Conditions
Opening the Nubank app is the first step to check offers from the Recomeço and see if there is an active agreement for credit card and loan.
Next, it is worth comparing the alternatives from Serasa Limpa Nome and choosing the one that best fits your monthly budget.
Once the agreement is closed, respecting the due date and keeping the receipt ensures the removal of the restriction.
If there are still doubts, the customer service channels of the bank and Serasa will guide you on next steps and available payment methods.
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