Are you short of cash and need to pay a bill, or just want to leave all expenses on your card? A good option is to use Pix with a credit card.

Namely, this is a simple and practical tool that you can use to transfer money when you don't have the full balance in your account.

After all, Pix has changed the way people transfer money. Especially now that it works on your credit card.

To show you all the Pix details with a credit card, we developed this post. Keep reading to understand.

Pix is a bank transfer type, being the most used in Brazil. By the way, the money arrives in the person's account in a short time. But for Pix to be done, you need to have money in your account.

However, when you use Pix with your card to pay your bills, you don't have to worry about that.

With this feature, you can pay bills even if you don't have any balance amount.

Curious about this feature? Below, you will understand what you need to make the transfer in this way.

Well, now that you understand what Pix is on your credit card, let's explain how this way of paying your expenses works.

First, you need to know that you must have a limit equal to or greater than the amount of your expense.

Without this, the transfer will not complete. Check out the example below and it will become clearer.

For example, if you have an expense of R$ 1,000.00, your available limit must be equal to or greater than one thousand reais.

What happens if I don't have this limit? Since the amount is not available, you need to find another way to pay the expense.

But, when you have enough limit for the expense, just proceed with the bank app and make the Pix with a credit card.

Below you will see the main companies that work with this transaction, check them all out.

After all, does the bank you go to let you use Pix with a card to pay your bill?

We selected the main companies that provide this service. So, continue your reading.

Nubank is the largest digital bank in Brazil. They are famous for delivering many facilities to customers, and credit card Pix is one of them.

By the way, it is very easy to use this feature to pay your bills. You just need to enter the person's Pix key and then choose the way the transaction will be made.

As a result, two alternatives will appear, firstly, using your account balance (this is the traditional Pix).

Second, using your credit card. The advantage of using Nubank is that you can pay up to 12x the Pix you made. 

Also, it is important to take into account that the company's rate is 3.99% .

PicPay is also very important when paying using Pix with a card. 

Namely, PicPay allows you to pay half of the bill with the account's money and the other part using Pix with your credit card.

But, it is important to know that a fee will be charged when making the transfer.

Namely, the tariff is 4,99%. That is, if the account is R$ 100.00, you will pay R$ 104.99.

Well, it is common for all banks to charge fees to allow credit card transactions.

However, RecargaPay stands out in the percentage charged, as they only charge 3,49%, which is the lowest tax in Brazil for this type of transaction.

However, only RecargaPay Prime+ subscribers receive this fee. For others, it can stay at 4,49%.

Also, just like Nubank, Pix can be paid in up to 12 installments on the card.

To pay, just do the whole Pix normal process and then select the card, set the number of installments and that's it. Your bill is already paid.

If you have a Digio card and want to start using Pix with a credit card through it, you need to see this information.

First of all, know that the rate that Digio bank uses is much higher than other companies, being 9.9% if you want to pay in installments.

Therefore, it is not recommended to split Pix transfers in instalments, in order not to obtain a very high rate.

Furthermore, if there is any problem during the transaction, it is terminated immediately, without using your limit.

When it comes to Pix with a credit card, Banco BV stands out for not charging any fees, only the IOF fee, which ranges from 0.38% to 3.38%.

So, if you want to pay a really low fee, BV is the best.

In order to determine whether Pix is worth using with a credit card, we will show you all the advantages and disadvantages.

These are the main benefits you get when using Pix with a card:

Analyzing these three advantages, it seems worth making use of the transaction. However, you need to know the disadvantages before making your decision.

When it comes to this Pix transfer, it is impossible not to notice these disadvantages:

Analyzing all the points mentioned, you can decide whether or not to use Pix with a credit card to pay your bills.

Well, Pix is an extremely secure transfer, banks are always concerned about transaction transparency.

Also, if anything unusual happens, Pix with a credit card is cancelled. So, there's nothing to worry about.

If you want to understand everything about Pix, it's very important that you understand the rules for transferring money overnight. Click on the post below and check them all out.