Anyone with a negative credit history knows how difficult it can be to obtain credit. Many banks impose severe restrictions, and access to traditional credit cards often becomes an obstacle. But the Nubank, known for its digital service and mission to simplify financial services, has created a smart alternative: the card with guaranteed limit, which can also be used by those with a restricted CPF (Brazilian taxpayer ID).

In this content, you will understand How does the Nubank card work for people with a negative credit history?, What is a guaranteed credit limit, who can apply for it, and how can it be the first step towards regaining control of your financial life with more autonomy and security?.

Does Nubank issue credit cards to people with a negative credit history?

Yes, Nubank offers an inclusive solution for those with a negative credit history: the card with guaranteed limit. This option allows the customer to define how much they want to use as a credit limit, depositing an amount into their Nubank account, which will be converted into credit for purchases.

I.e, You use what you already have as collateral., This makes the process fairer and more accessible for thousands of Brazilians facing financial difficulties, without relying on credit checks or a perfect history.

How does the Nubank card with a guaranteed limit work?

The logic is simple: the amount you set aside from your account becomes your credit card limit. Here's how it works in practice:

1# You add an amount to your Nubank account (for example, R$300).
2# Within the app, set this value as credit card guarantee.
3# Nubank transforms this amount into your available limit.
4# You use the card normally — for cash purchases, installment purchases, or online purchases.
5# When you pay your bill, the credit limit becomes available again for use.

This system allows even those with a negative credit history to have access to all the features of a regular credit card, without restrictions or abusive fees.

Do you need a credit check?

No. That's one of the main advantages. Nubank's card with a guaranteed limit does not require a credit check. No credit check with SPC or Serasa is required. This is because the amount used as a credit limit is already guaranteed in your account, which reduces the risk for the bank.

This option is ideal for those who are trying to regain financial health or to start a credit history from scratch.

How do I apply for a credit card with a guaranteed limit?

The entire process is done through the Nubank app and only takes a few minutes. Follow these steps:

  1. Download the Nubank app (available for Android and iOS).
  2. Register with your personal information and create your free digital account.
  3. After opening your account, access the "Credit Card" area.
  4. Tap on “Add limit using account balance”.
  5. Choose the amount you wish to reserve as a limit.
  6. Confirm the operation.

Done! Your card with a guaranteed credit limit will be active and ready to use. If you prefer, you can now request a physical card to use in physical stores, in addition to the virtual card available in the app.

Can I increase the limit later?

Yes. Whenever you want, you can. increase your limit adding more money as collateral. Nubank can also release a traditional limit Over time, if you use the card responsibly and pay your bills on time.

It is common that, after a good usage history with the guaranteed limit, the bank itself starts offering an additional pre-approved limit, without requiring a deposit.

What are the advantages of the Nubank card for those with a negative credit history?

In addition to being accessible even to those with a restricted credit history, the guaranteed credit limit card offers all the benefits of a traditional credit card. Here are some highlights:

  • No annual fees or hidden charges..
  • Virtual card available instantly, ideal for online shopping.
  • Full control via the appLimit, bill, blocking, and much more.
  • Possibility of paying for purchases in installments as usual..
  • Option to pay installments in advance and receive a discount..
  • A real chance to rebuild your credit history..

It's a practical and safe way to return to the credit market without falling into financial traps.

Does the Nubank card help to clear your name?

Not directly. The use of the card itself. does not settle old debts, But it can be an important step for those who are trying. organizing your financial life and to regain credit in the market.

By using your card responsibly, paying your bills on time, and maintaining good account activity, you build a new payment history. This can make it easier to... removal of name from default registries, ...depending on the renegotiations you make with your former creditors.

Furthermore, Nubank does not require a clean credit history for this type of card — which already guarantees access to financial services even during the recovery phase.

Can someone who already has a Nubank account apply?

Yes! If you already have a digital account open with Nubank, you can check within the app if the function is enabled. create a limit using the account balance. It's available to you. Generally, the option appears in the "Credit Card" tab, even if you don't have a pre-approved limit.

If it's not yet visible, continue using your account normally — paying bills, making Pix payments, and maintaining a positive balance are good practices that help unlock this feature soon.

Does a credit card for people with a negative credit history have an annual fee?

No. Just like the traditional Nubank card, the A card with a guaranteed credit limit is also free of annual fees.. You only pay for what you use and, of course, for interest in case of installment payments or late payments.

This model makes access to credit fairer and more transparent, without hidden fees or surprises at the end of the month.

See also: Got a bad credit score? Loans of R$1,500 or more available

April 14, 2025