Our credit analysis is based upon publicly available information and as well as Nubank’s internal criteria and objectives. We generate an internal score that lets us determine which user profiles best meet our operational capacity at this time.

Being a customer of our digital account does not guarantee the release of the credit card, but it can help your case. Using the Nubank account, our digital account, can help us to know more about the customer's profile when evaluating the card.

If you do not receive approval for your credit card it means that we are currently unable to approve your purple card. However, it does not mean that you have any outstanding issues with your credit history or profile. It is simply due to the lack of information available about who is applying for the card.
The Nubank account has no maintenance fees, offers free and unlimited transfers and a higher interes rate than a regular savings account.