To ensure the quality and safety of our service, we analyze all credit card applications in order to avoid two things:
It all starts when you register and send us your information.
From your name and CPF number, we collect data from several publically available sources – thousands of variables related to your purchase, credit and payment history.
And if you were referred via email by a friend who already has a Nubank card, that also counts on your analysis.
Based on that information, we group the applications into hundreds of different profiles.
Once we cross-reference all of the data, each applicant's profile is classified in one of three groups:
Profiles that fall under this last group are invited to get their card within a week.
Profiles under this group can receive an invite in the next 90 days, depending on the results of our tests.
At this moment, profiles in this group will not receive invitations, but they can apply for a new analysis in 6 months.