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Want to increase your Nubank card limit in 2025? Discover a practical and efficient tip to gain more credit and make the most of the benefits of this popular digital card.
If you need to make purchases with higher amounts, but the limit on your Nubank card is not enough, know that there are ways practices to increase the limit. Although it may seem complicated, these techniques are accessible to many customers, especially those who already use the service regularly.
Check out the most effective tricks and see what really works to increase your credit card limit at Nubank. This guide presents clear and uncomplicated tips to help you plan better and achieve greater financial freedom.
How does it work and what defines the card limit at Nubank?
The credit card limit at Nubank is, essentially, a monthly loan offered by the financial institution to the account holder.
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This pre-approved credit can be used for cash or installment purchases. For example, if your limit is R$300 and you make a purchase of R$250, you will only have R$50 left for other expenses, regardless of whether the purchase was paid in installments or not.
Nubank uses several criteria to define each customer's limit. These include financial history, spending profile and behavior on the app.
Customers who delay payments or pay bills in installments are less likely to get a limit increase. On the other hand, paying bills on time and paying in installments in advance increases the fintech’s trust in the customer, which can result in a higher limit.
Why does each person receive a different limit at Nubank?
The credit limit varies from customer to customer due to the detailed analysis that Nubank performs on each customer's financial profile. This analysis takes into account both habits within the app and external data, such as information from Serasa.
If the customer has a bad credit rating or a low credit score, the fintech tends to be more cautious when granting credit. In contrast, people who demonstrate financial organization and frequently use the card may receive higher limits.
This explains why a client with a lower income may have a higher limit than one with a higher income, if the former has a more consistent history.
Five tips to increase your Nubank card limit
Although the limit increase depends on the fintech's analysis, some actions can positively influence this process. Check out the main tips below:
Pay invoices before due date: Keeping your payments up to date is essential. Paying your bills early also demonstrates financial responsibility and increases the chances of the bank offering you a higher credit limit.
Avoid paying your bill in installments: Paying your bill in installments is seen as an indicator that the customer does not have full control over their finances. To increase your limit, it is important to pay the full amount of the bill whenever possible.
Concentrate spending on Nubank: The more you use your Nubank card, the longer the usage history recorded by the fintech will be. Centralizing expenses such as purchases, subscriptions and services on a single card helps demonstrate an active consumption profile.
Update registration data regularly: Keeping your information up to date on your app is crucial for the bank to understand your current financial situation. Update information such as income, address, and email address whenever there are changes.
Use specific Nubank features: The fintech offers tools such as Nu Limite Garantido and NuPay to help customers increase their limits. Nu Limite Garantido allows you to convert amounts invested in Caixas into a credit limit, while NuPay is an online payment solution that does not affect the card balance.
How to use the app to request a limit increase
The Nubank app is simple and intuitive, allowing customers to request a limit increase directly through the platform.
To do this, simply access the app, select the “Adjust limit” option and enter the desired amount. After submitting the request, the bank will perform a new analysis of the customer’s financial profile.
It is worth remembering that approval is not guaranteed and depends on factors such as usage behavior, payment history and external data, such as credit score.
How long does it take to increase the Nubank limit?
The credit limit increase process is not immediate. Nubank generally performs monthly or bimonthly analyses of customers' profiles to decide whether to release more credit.
If the customer is following recommended best practices, the limit will likely be automatically increased at the end of each review cycle.
To find out when the next review is scheduled, simply access the app and check the information related to your credit profile.
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