With gamified experience in the app, Nubank helps customers build credit card limit

São Paulo, November 17, 2022 – What if it were possible to “play” to get a limit? At Nubank, this is already a reality. The company offers customers who do not yet have this feature an innovative experience in its application, with a credit card that allows you to build a limit. The card with Build Limit Function (Função Construir Limite) helps customers with little access to credit on this journey, and with simple missions increases the chances of achieving financial independence and autonomy. More than half of the people who use the tool correctly earn their first limit within a month.

“We know and follow the countless requests for limit from our customers, in addition to the fact that millions of Brazilians, for different reasons, do not have immediate access to credit. With the card with the Build Limit Function, in a simple and practical way, we have already released pre-approved limit to more than 5 million people who had little access to credit,” says Livia Chanes, leader of Nubank’s operations in Brazil.

How does the Build Limit Function card work?

Created in 2021, the Build Limit Function is an innovation in the market to help customers who have never had a card, or who have had one and lost access to it, to build their credit journey towards achieving a pre-approved limit, unlike a debit card or prepaid card, which do not generate a history. 

Those interested must apply for the card in the Nubank app, and then add their limit, in a specific section named “Reserve amount as limit” – released to customers with access to this function. For every R$1.00 (one real) reserved on the card, R$1.00 (one real) of limit is released – the more the user reserves, the more limit they will have. 

Composed of a journey of different missions within the app, such as making purchases using the credit card and paying the bill, the purpose is to help customers through financial education. As the customer uses their card correctly and builds their credit history, they increase their chances of receiving a pre-approved limit from Nubank, which can grow over time. The gamified experience is being released to the customer base gradually, customers without access to the missions can use the Build Limit Function in the same way.

If the amount reserved as the limit is not committed to purchases that have already been made on the credit card, the money can be redeemed at any time through the app. To start using it, simply access the specific section of the app named “Reserve value as limit” available to eligible customers. The Build Limit Function card has no annual fee, more information at: nubank.com.br/cartao/funcao-construir-limite.