NUBANK: How to cancel a purchase made with a credit card?

O Nubank grants a credit card (the famous ‘roxinho’) much sought after by Brazilians. The advantage of fintech is that all transactions carried out with the device can be consulted by the application itself.

That way, if you don’t recognize a purchase made with your purple, know that it’s possible to cancel the operation. The first thing to do is to contact the establishment where the purchase was made.

Credit operators do not have the autonomy to cancel any purchases, therefore, in order to cancel, it is necessary to resort to the company for which the transaction was made.

In short, the user will dispute the purchase through the Chargeback process.

How to cancel a purchase made on the Nubank credit card?

  • Access the Nubank app;
  • Tap on the “Nubank Credit Card” tab;
  • Go to the option to view the invoice;
  • Find the purchase you want to cancel;
  • Tap on “Report a problem”;
  • Specify the reason for the cancellation;
  • This done, the Nubank will direct you to contact the establishment;
  • If there is no response, tap “Continue Anyway”;
  • Finally, send proof of payment to open the purchase dispute request.

In what situations can I dispute a purchase?

To claim a purchase it is necessary that it fits in one of the following cases:

  • If you have purchased one product and received another;
  • If the goods were defective and were not exchanged;
  • If you do not recognize the purchase on the invoice;
  • If you regret the purchase within the allowed period and did not receive assistance from the store.

What are the deadlines for canceling the purchase?

The user must respect certain deadlines for canceling a purchase on credit card from Nubank. In cases of regret, for example, the deadline to withdraw from a contract or purchase is 7 days.

As for opening a dispute, the limit usually extends to up to 120 days after purchase. However, it will all depend on the policies of the fintech credit card company.

How to increase the Nubank card limit

  • Avoid delaying the payment of bills and invoices;
  • Pay before the due date or by the due date;
  • Choose invoice due date according to your salary payment;
  • Do not pay the minimum invoice amount, as this will activate the revolving credit;
  • Keep your monthly income up to date in the app Nubank;
  • Use your credit card frequently;
  • Use the card a lot without going over the limit;
  • Don’t have debts.

Another factor that can help the customer to obtain a higher limit is not having his name dirty in credit protection agencies, such as SPC and Serasa. Being negative causes the credit score to drop quickly, consequently decreasing the chances of achieving a higher limit.

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