Having a credit card is a huge convenience these days, and most of us have one that we use to shop and pay bills. However, we are always constrained by the credit card limit, which prevents us from spending more than a certain amount in a given month.
While it’s nice to have and get a high credit limit, it’s important to say that this increase brings with it greater responsibility. That being said, you need to be able to pay all your expenses on the card. Therefore, the greater the limit, the greater your awareness of it should be.
The credit card limit value changes from company to company, as well as from user to user. And at C6 Bank it is no different. The digital bank, which has been growing, offers a tactic to increase the credit limit.
In addition, there are also some generic tips that help in this process. And if you want to know how to increase your limit at C6 Bank, check out our tips below.
How to increase the limit of C6 in 2023?
C6 Bank is a digital bank that constantly performs credit reanalyses. That is, they assess which customers are able to receive a credit increase, according to a series of criteria.
On the other hand, if your need to increase the limit is more urgent, you can request it via the app. To see if you have a limit increase available, open the app, and from the Home menu, tap ALL. Afterwards, select HELP (Chat) and type LIMIT INCREASE.
From there, the chat assistant should request information. After that, an analysis will be done. In the end, you get to know the result about the approval or not of the limit. And here it is important to say: the limit increase may not be approved.
Tips for increasing your card limit
In terms of analysis, several good practices are considered that can help customers improve their credit score. This score is a score that Serasa gives you, according to your financial profile.
Among the best practices that you can exercise are:
- Always keep your registration data updated in the C6 Bank app;
- Pay your bills before due date;
- Do not pay the minimum invoice payment, but pay in full;
- Do not use the card rotary;
- Never borrow in other people’s names;
- Do not make very long installments;
- Do not apply for a loan in many places at the same time;
- If possible, put your accounts on automatic debit;
- Use C6 Bank products and services: such as insurance, loan, parking tag, among others.
Finally, it is important to mention that the more you use the card, products and services of the digital bank, the greater the knowledge of C6 Bank about your financial profile.
CBD Credit Card
Another interesting way to get a higher credit limit is through the CDB Credit Card. In short, it is a function that increases the credit card limit, at the same time, in which the money is yielding in the digital bank.
The function works like this: everything you invest in CDB is converted, in the same amount, into credit. Therefore, if you invest, for example, R$ 500 in the CDB Credit Card, you will have the same amount released in your credit limit. The CDB is a function that has a minimum investment of R$ 100 and a maximum of R$ 50 thousand. This is a post-fixed investment, which, when redeemed, falls into the account within two business days.
And if, in this process, the customer does not pay the invoice in full, C6 Bank will automatically withdraw the amount from the CDB Credit Card. That way, you don’t default, and you don’t even fall into revolving interest. On the other hand, if the customer pays the invoice in full, there is no change in the investment.
