Make a Pix with a credit card on Nubank it is an alternative for the moments when the bills tightened in the month. The digital bank allows you to use your credit card limit to make the transfer, with the possibility of payment in up to twelve installments with interest.
After entering all your transfer information, the bank allows you to choose between using your account balance or using your card limit. Check out, below, everything you need to know about making Pix with a credit card at Nubank
How does Pix payment by credit card work?
Paying Pix on credit is an alternative for those who need to make a transfer, but do not have enough balance in their account. Instead of using the money from the current account, the payment is made with the balance of the credit card and adds the charge to the invoice for the month, with the option of installment.
For those who receive the money, nothing changes: the amount falls into the account instantly, as with any transfer via Pix. However, before using this feature, it is very important to pay attention to your financial planning: despite being a short-term respite, Pix on credit has interest charges and IOF. So be careful not to create too much debt in the long run.
How to make Pix with a credit card by Nubank
- Open the Pix area on Nubank and select any transfer option;
- Choose the contact or scan the QR Code. Then enter the value;
- On the payment screen, tap “Choose how to transfer”;
- Then tap on the credit card option;
- Choose the number of installments and proceed;
- On the confirmation screen, confirm the data and see what fees apply. Tap “Transfer”;
- Finally, enter your password to confirm the payment. The transfer amount will be added to your card statement, without taking money from your balance.
What are the Pix credit card fees at Nubank?
Two main rates are applied on payments: interest and the Tax on Financial Operations (IOF). The interest rate is 3.99% per month, accompanied by each installment of the purchase. The IOF can vary between 0.38% to 3.38%.
How to pay Pix on Nubank invoice
After you make a Pix on credit, the transfer is added to your invoice like any other purchase. If you do not want to wait for the closing date, Nubank has a function to anticipate a partial amount of the invoice. In addition, in installment purchases, it is also possible to add future installments to your current invoice and pay them at a discount.
On the other hand, if you are unable to pay the invoice, there is the possibility of splitting the current payment. However, it is important to compare interest on arrears with those on installments so as not to create too large a debt.
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