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The so-called "purple card" is challenged by thousands of people who, when asked, often enter a waiting list. Nubank justifies this "bureaucracy" by excessive solicitation and the internal badysis of Fintech. In addition, there is an badysis of the cadastre and the credit score, which will or will not release the credit card to the consumer, according to their own algorithm. But is it possible to be disapproved even with a high score? Unfortunately yes.
See also:
The BMG Credit Card Is The Option Of The Moment For Those Who Have A Low Score
After all, is it possible to take out a loan with the dirty name?
High score and went to the waiting list of nubank?
What determines the score?
Basically, the score is a summary of consumption. That is, it takes into account all your payments and debts.
Among the factors badyzed are:
- Delinquency,
- The "conscience" of the purchase – that is, the badysis of what is spent and the consumer's income,
- his place of residence,
- his age,
- the prepayment of purchases
. Unpaid bills expire in 5 years. Therefore, if you have a long-term debt, it is likely that it does not appear in credit protection agencies.
What factors are badyzed by Nubank?
Whether or not the Nubank's approval, different from the one that we can not directly related to the score of your score. The company does not know for sure what factors are badyzed for each consumer, but it is thought that there is a "checklist" of its own. To apply for a Nubank card, you must request an invitation in advance, which can be done by a friend who already has purple. Or even via the app or Nubank's website.
Subsequently, the badysis begins to approve your application by Nubank. Different data such as credit history, outstanding debts, returned checks, etc. Clearly, a request will be made to the databases of SPC, Serasa and the Central Bank, as well as their credit score.
Nubank will then decide whether the card applicant will have his application approved or go to Nubank's Famous Waiting List . In addition, as we have seen above, even if you have a high score now, you may have some previous pitfalls that can interfere with the granting of credit.
How to increase your chances of being approved by nubank?
Even if you do not know for sure what the criteria are, there is something to do to increase your chances of getting
Finally, wait at least six months before you can apply for your credit card again. So follow us on our social networks like the Facebook Twitter and Instagram . Follow our news and articles on digital banking, digital credit cards, financing and loans. Finally, as well as everything related to the world of fintechs.
EDUARDO MENDES
I am a technology enthusiast, who also appreciates innovation, entrepreneurship, fintechs and his installations.
Graduate in Business Administration from the Federal University of Rio Grande do Sul and founder of Optclean Technology, Student Connection and Your Digital Credit.
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