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My credit application at Nubank was denied. What do I do?

We are always improving our consumer studies and credit approval criteria. That means your analysis may change over time.

Therefore, we recommend you apply again after three months. It's important to wait until this minimum period is over, okay? Before that, it is highly likely that our answer will be the same.

How is credit analysis done at Nubank?

Step 1

Using your name and Individual Taxpayers' Registry number (CPF), we collect several data available in the market that help us understand your consumer profile.

Step 2

With these data, our system automatically creates an internal score and classifies customers into different groups:

Group 1

This group has access to the credit card and the Nubank account.

Group 2

This group has access to the Nubank account and a card with the debit function.

Group 3

At that moment, this group doesn't have access to the credit card or to the Nubank account.

Important to know

Warning Circle

Nubank's internal score creation is based on a very long list of data. So, if your application is not approved now, that doesn't mean you have "credit restrictions".


How can I apply for another credit analysis?

Important to know

Warning Circle

Has it been three months since your last application? Great! It's time to try again.

I already have a Nubank Account.

On our website

1. Access the credit card page

2. Click on "Request my credit card."

3. Complete the form and wait for our response.

Go to pageInternal Link

In our application

1. On the home screen, swipe left.

2. You will find a screen that tells if you can already request your card.

3. Follow the instructions and wait for our response.

I still don't have a Nubank Account.

On our website

1. Access the digital account page.

2. Click on "Open a Nubank digital account."

3. Complete the form and wait for our response.

Go to pageInternal Link

In the application

1. Download Nubank app.

2. Tap the "Start" button.

3. Follow the instructions and wait for our response.