Em procura de atrair novos clientes e fidelizar sua carteira atual, o Nubank anunciou um novo recurso no aplicativo. Os usuários que precisam fazer um Pix, mas não possuem saldo na conta, agora podem utilizar o limite do cartão de crédito.
A função chamada de Pix no crédito permite que o cliente pague a transação porquê se estivesse fazendo uma compra virtual no cartão. Se preferir, ele também pode parcelar o valor para remunerar em até 12 vezes.
A novidade foi lançada tanto para pessoas físicas quanto para pessoas jurídicas. Todavia, ela chega de forma gradativa para os consumidores que utilizam os serviços do banco do dedo.
Pix no crédito: porquê funciona?
Primeiro de tudo, é preciso proferir que o pagamento do Pix no crédito funciona porquê uma espécie de empréstimo, e porquê tal possui taxas envolvidas. Segundo o Nubank, é verosímil conferir os valores do acréscimo antes de confirmar a transação, bastando realizar uma simulação.
A taxa de juros é igual a 3,99% ao mês, mais Imposto sobre Operações Financeiras (IOF), que varia entre 0,38% e 3,38%. Sendo assim, é preciso estar discreto ao dispêndio suplementar antes de contratar.
O banco do dedo indica o uso do Pix no crédito quando o cliente não tem saldo na conta ou quando não quer comprometer o orçamento do mês. Também pode ser vantajoso para quem quer concentrar todos os gastos na fatura do cartão, ou ainda quando há descontos para pagamentos por Pix.
Porquê passar um Pix no crédito
A seguir, veja porquê parcelar seu Pix no crédito:
Acesse o aplicativo do Nubank, disponível para Android e iOS;
Clique no menu “Superfície Pix”;
Escolha a opção de transferência e informe a chave Pix;
Em seguida, clique em “Escolha porquê transferir”;
Toque em “Cartão de crédito”;
Selecione o número de parcelas desejadas e confirme.
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