Imagine having an unlimited credit card. A card that allows you to buy whatever you want, without worrying about the limit, interest or fees.
A card that offers freedom, security and convenience. This may seem like a dream, but it can become a reality with some digital credit cards that are available on the market.
The limit on your digital credit card is defined by an intelligent algorithm, which analyzes several factors, such as your income, your credit history, your score, your monthly consumption, your bill payments and even your relationship with the company.
In other words, the more you use your card consciously and responsibly, the more chances you have of increasing your limit.
Additionally, you can also request a limit increase through the app itself, quickly and easily. If approved, your new limit will be available immediately.
But which digital credit cards offer the possibility of having an unlimited limit? In this article, we will present some examples:
The C6 card limit is set by the bank's algorithm, which takes into account your monthly income and your score. You can check your limit through the bank's app or website. If you want to increase your limit, you can request it through the bank's app or chat.
C6 Bank also offers an option called Turbo Limit, which allows you to temporarily increase your limit using part of your current account balance or your investments at the bank.
For example, if you have R$1,000 in your checking account and R$2,000 in investments at the bank, and you want to make a purchase of R$4,000 on your C6 card with a limit of R$3,000, you can use R$1,000 from your checking account or your investments to increase your limit to R$4,000 at the time of purchase. After the purchase is confirmed, the amount used will be returned to your checking account or your investments.
The PagBank credit card limit is defined by the amount you reserve in your account or invest in CDB. You can check your limit through the PagBank app or website. If you want to increase your limit, you can reserve more money in your account or invest more in CDB through the app.
PagBank also offers an option called Emergency Limit, which allows you to temporarily increase your limit using part of your checking account balance. For example, if you have R$1,000 in your checking account and want to make a purchase of R$1,500 on your PagBank credit card with a limit of R$1,000, you can use R$500 from your checking account to increase your limit to R$1,500 at the time of purchase. After the purchase is confirmed, the amount used is debited from your checking account.
Nubank is a fintech that offers two types of cards: the purple one, a credit card with the Mastercard brand, with no annual fee or fees and which can be completely controlled through the app; and the Ultravioleta, a premium card with the Mastercard Black brand, which offers 1% cashback on all credit purchases, which increases 200% of the CDI and can be used whenever and however you want.
The card limit is set by Nubank's algorithm, which takes into account your monthly income, your score, your payment history and your card usage. You can check your limit through the Nubank app or website. If you want to increase your limit, you can request it through the Nubank app or chat.
Nubank also offers an option called Limit Adjustment, which allows you to increase or decrease your limit at any time through the app. For example, if you have a limit of R$2,000 and want to make a purchase of R$3,000, you can increase your limit to R$3,000 through the app at the time of purchase. After the purchase is confirmed, you can return your limit to R$2,000 through the app.
As you can see, there are some digital credit cards that allow you to have an unlimited limit, depending on your profile and financial behavior.
To get one of these cards, you need to apply through the company's app or website and wait for the credit analysis. If approved, you will receive the card at home and can start using it.