BLU365: What is it and how does it work? Is it reliable?

If you are after ways to get rid of your debts and negotiate, but don’t know where to start because you don’t know which are the best platforms and if they are reliable, then we will help you today by talking about one of them, Blu365. In this post, we will explain in detail what Blu365 is, how the online debt negotiation works, how you can negotiate and if the platform is safe and reliable.

Having those debts that are not paid off can end up locking your economy and generating a lot of headache over time. So, the sooner you get rid of them, the better it will be, on the internet. You can find several companies and platforms that are focused exactly on this type of service. Check out below how you can use Blu365 to trade.

What is Blu365?

The fintech Blu365 was created in 2014 and is completely specialized in debt negotiation. Initially, its name was different, it was called Kitado. This name change happened in the year 2017, Blu365 came from a combination of the 365 days of the year and the word “Blue” in English, which means “Blue”. In other words, the message the fintech wanted to get across is that its customers could stay in the blue all year round and no longer worry about debt.

By the time we publish this text, Blu365 has renegotiated more than 1 billion in debts of its users, in addition to having served more than 1 million customers. It is worth noting that this is not the fintech’s only business. They also work with other financial matters.

Some of Blu365’s main financial initiatives involve a blog focused entirely on this type of subject and a loan simulation tool for their customers. In addition, we also have the Extra Income platform which, as the name suggests, helps its users find ways to get additional income.

How do negotiated debts work online?

Before we talk a bit about how Blu365’s online debt negotiation works, you need to understand how online debts are usually negotiated in general. Because it’s a digital thing, many people may end up not feeling completely secure with this option. However, it can bring several advantages to users.

Besides being much more convenient and practical than negotiating in person at banks, counters, companies and institutions, for example, you can do everything without leaving home. You only need a mobile phone with internet access or a computer to start renegotiating your debts. The process can be completed in just a few clicks and a few minutes of your time. In other words, you will be practically free of any bureaucracy that these processes usually have.

Another advantage we can mention is that online negotiations usually offer much greater discounts on debts than the discounts offered in person. This is because the specialized companies that handle this service have few operating costs due to the fact that the whole process is done digitally.

How does Blu365’s online debt negotiation work?

Now that you already know how online negotiations usually work, let’s talk a bit about the negotiations at Blu365. The fintech works with two different ways: the first and most common uses the partnership with other companies, they pass the list of delinquent customers to the fintech that contacts each one. To start the negotiation process, contact is usually made via email.

The second way is when the client himself contacts Blu365 to negotiate. Following this path, the fintech will contact the company to try to get the best possible discount and a beneficial agreement for both parties.

There are cases where discounts of 95% can be achieved, especially when they involve Tricard and Liftcred.

What are Blu365’s partner companies?

Several renowned companies have a partnership and use Blu365 to negotiate their debts with customers. We list the main fintech partners so you can know whether or not you can negotiate your debt through this platform:

• Magalu;
• Koerich;
• Santander;
• Itaú;
• Credsystem;
• Tricard;
• Banco Pan;
• Mercantil do Brasil;
• Renner;
• Marisa;
• Claro;
• Vivo;
• Portocred;
• Bradesco;
• Avon;
• Natura;
• Agibank;
• Banco BV;
• Porto Seguro Cards;
• Fortbrasil;
• Liftcred;
• BMG.

How can you negotiate your debt at Blu365?

If you are interested and want to negotiate your debt at Blu365, the process is very simple, all you need to do is follow the step-by-step instructions described below:

Step 1. Start by logging on to the Blu365 website so you can begin the process;

Step 2: Right on the homepage, you can enter your CPF for consultation. If you face any problems, just go to the top menu bar and click on “Consultar CPF”. Then, just go to “See special offers” to check the details of your debts and discounts;

Step 3: If you are satisfied with the negotiation, you can finish it by generating the payment slip.

Blu365 on Reclame Aqui

If you are still in doubt whether the platform is reliable, one way to clarify this is to check the evaluation of fintech on Reclame Aqui. On this portal, people can register complaints about a company and its services, as well as evaluate its reputation. Thus, you can check the opinion of other customers to find out whether it is reliable or not.

On Reclame Aqui, taking into account data collected from September 2021 to February 2022, Blu365 has the highest reputation rating, being RA1000, with a score of 8.5/10.

The fintech has a complaint response rate of 91.6%, meaning that if you complain about something, you are likely to be answered by the company. Also, the company’s problem resolution rate is 91.7% and around 75% of customers who complained about something said they would do business with the fintech again.

Blu365’s security

It’s normal for you to be concerned about the security of the platform, as you’ll be using your personal details in the negotiation. However, Blu365 is completely secure, relying on the security certificate in the address “https”, meaning that all data entered on the platform is encrypted.

Moreover, among the security technologies adopted, it has the partnership with AWS – Amazon Web Services and the cloud and serverless technology.

After all, is Blu365 reliable?

After all, is the Blu365 platform reliable for trading? Yes, in terms of security, we can see with the cited means that the fintech cares a lot about the privacy of its customers’ data. Moreover, several customers praise and continue using the platform, as we saw with the data from Reclame Aqui.

Thus, it is an efficient, fast, practical and unbureaucratic platform for you to get rid of debts as quickly as possible with digital means.