Is it worth having a Nubank credit card?

O Nubank is a phenomenon that is revolutionizing financial services in Brazil, putting an end to bureaucracy, paperwork and waits for service with transparency and technology. It is not a bank, or the service of an established financial institution.  

It is a startup services financialthe, the calls fintechs, who are using technology in your favor to create new methods of managing financesAnd Nubank is an essential part of this process. 

The Nu, like defines itself as a bet on transparency, agility and easy and personalized management, but even so, many people feel in doubt about its benefits, so we list here some reasons that may make you want to have a Nubank to call yours. So far its only downside is that to get one you have to enter a queue.

we already gave our impressions about it, but is it really worth having one? Check in the next paragraphs.

Your agency is your smartphone 

O Nubank is not linked to any bank. That's right, the card is issued by the own startup e is licensed by flag MasterCard, so you don't vai need to open a bank account to apply for it. Everything is done by your smartphone. 

And speaking of smartphones, he without going to banks and agencies, queues and phone calls and you solves everything by the app. "Ah, but some banks already do that, like the one who writes wrong digital...“. Yes, there are banking apps where you can track your card, but none are like Nubank. 

Through the application you have the security and agility of temporarily lock and unlock your card, or control how much you can spend per month, adjusting the limit for the month and preventing you from spending more than you can afford.  

For example, if you have a limit of R$1.000,00, but you can only spend R$300,00, adjust your limit to this amount temporarily and don't run the risk of bursting your budget. Your total limit is still there, and it comes back the following month. 

If you go over your limit, know that for tudhave it a way. If one convertednha naughty with the card service doesn't break your branch, you can advance the payment of any amount to release more limit on the card. practical, don't thinka? 

Oh and if you pay Allo month, you have a good chance of increasing your limit very quickly. I, for example, had a 1000% increase in the limit in one year. 

Trappearance total 

The credit card is international, enat the time of purchase, the application notifies the amount spent, with the number of installments, establishment name and GPS location. If the purchase is international, you will still know how much you will pay in IOF.  

The purchase go immediately to your timeline and enterthe value of the current invoice at the same time. You can even customize the name of the establishments.  

Each purchase is categorized automatically and you can add Tags e emojis. Whatever, with him you have that freedom. Do you have a spending history?s month by month and detailed invoices, alem of shopping charts for the current month. 

You must be thinking you're going to pay dearly to have all this, don't you? wrong, the Nubank does not charge annuities, and has zero rate. This is possible because it does not have any bureaucracy, it has a lean structure and does not need to pass on costs to customers. the only thing you must pay is your bill. 

Speaking of invoices, the card is the only material that you will receive. you visualize yours invoice by the app and you can send it to your email or copy the barcode to pay in your bank's application.   

E se by some misfortune you delay the payment, do not think that they will discount all these advantages in the form of interest, the rates are very low.  

As if all that wasn't enough, the attendants are great for you to chat and clear up any doubts you may have. Seriously, there's nothing robotic and full of gerunds. in the chat of app you will feel in uma conversation between friends. And last but not least, the card is purple.