If the expiration date of your Nubank credit card has passed and you forgot to pay the bill, there are a few ways to solve this problem. see below how to pay a late invoice from Nubank and understand how interest and charges work in these cases, which vary from client to client.
If you’ve been late paying your Nubank credit card out of pure forgetfulness, but you have the money to pay the bill, there’s no need to worry. In this situation, it is enough to generate a new boleto and pay the card as soon as possible, preventing further interest from being added to the invoice amount.
Necessary time: 2 minutes.
To generate the new slip for your overdue Nubank invoice, follow the steps below:
- Access your credit card statement:
Open the Nubank app and tap on the “Credit Card” section. Then click on “Pay invoice”;
- Generate the ticket:
On the next screen, tap on the option “Generate a boleto”. With the slip in hand, pay the overdue invoice (which is already considering the interest on the delay), directly through your Nubank account or by going to a bank branch or an ATM. Once this is done, please allow up to 3 business days for the payment to be processed.
What are Nubank’s interest rates?
Below we have brought a table with the interest rates charged by Nubank in each situation, remembering that there are variation ranges, as the values change according to the customer’s profile.
| revolving credit interest | 2.75% – 19.99% per month |
| Invoice installment interest | 0.99% – 19.75% per month |
| In case of delay: Interest (same rate as revolving or installment payment) + 1% late payment per month | 1.99% – 20.99% per month |
| late fine | two% |
| Interest on credit card withdrawals | 9.75% per month |
How to know my interest on Nubank?
It is possible to find out what interest amounts are charged to your credit card directly through the Nubank application. In your account settings, the user has access to this data.
To view your Nubank interest rates, follow the steps below:
- Open the Nubank app;
- Tap your photo or user icon;
- Click on the “Configure card” option;
- Tap on “Your Interest Information”.
Okay, on the next screen you will have access to all interest and charge information related to your credit card, such as revolving interest, installment interest, interest and late payments and late fees.
What are the other ways to pay the invoice?
If you spent a lot during the month and you don’t have enough money to pay your credit card bill, it’s worth checking if your Nubank card allows you to pay only the minimum amount of the bill.
If so, it is necessary to pay this minimum amount until the expiration date of the card, and the outstanding amount can be financed by revolving credit or in installments (in both cases, with the addition of interest and IOF).
The minimum payment until the due date is important, as it allows the customer not to be late with the invoice, which happens if the user does not pay anything or pays less than the minimum amount. In addition, when choosing this option and financing the rest with revolving credit, the interest charged on the outstanding amount is lower than the interest charged if the customer does not pay anything (interest on late payment).
If you prefer, the customer can also choose to pay their invoice in installments. In this case, it is better to wait for it to close to make the installment, since that way it will have 30 days to pay off the first installment.
Installment is an agreement made between the customer and the institution so that the invoice amount is divided into installments over the next few months (with the addition of interest and IOF). It is worth mentioning that installment interest is lower than revolving interest, so if you are going to pay the minimum amount of the invoice, it is always better to pay the rest in installments.
The installment can be carried out directly through the Nubank app, requiring the customer to pay a down payment and choose the number of installments into which they will divide their invoice.
For those who, however, have enough money in their account, but always end up forgetting to pay the card bill, a great option is automatic debit. The feature can be activated in the application itself, just follow a few simple steps, as we explain in this tutorial.
When using a Nubank credit card, all purchases made by the customer are accumulated on their open invoice. On a specific and fixed date of the month, the amount spent is calculated and the invoice is closed. At this point, then, the customer must pay it, having until the expiration date of the card to do so – a period that is usually 7 days after the invoice is closed, but can vary due to holidays and weekends.
It is worth remembering that from the moment an invoice has been closed, all purchases made on the credit card enter the invoice for the following month and so on.
Yea! The change can be made directly through the Nubank app. In the card settings, the customer can simulate what the invoice closing and expiration days would be and choose the best date for their situation.
It is worth mentioning that it is important to follow the tutorial and choose the dates very carefully, as a change like this can only be carried out again after 90 days.
Nubank does not specify the delay time required for this, but warns that no cancellation is made automatically by the bank. This means that in the event that the invoice delay leads to a potential cancellation of the card, the company will contact the customer first and, as a last resort, announce the decision in advance.
Yea! If your invoice has not been closed, but you want to make your payment in advance, you can do this directly through the Nubank app. In this case, it is possible to pay in advance the total amount already spent or only part of it, so that you will have restored the proportional limit of your account – which can take up to three days, if the payment is made via bank slip.
In addition, it is important to remember that, regardless of how much was paid, the rest of the invoice must be settled by the day the card expires.
It is possible to request the Nubank bank account statement through its application. In this tutorialwe explain how to make this quick request, which will send the statement to your email registered in the bank app, in PDF, OFX and CSV formats.
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