You don't have to undergo any kind of credit check to open a Nubank digital account. We only perform an enrollment analysis. Beyond that, our only requirements for customers are: being at least 18 years old, a resident of Brazil, having a regular CPF status on the Receira Federal Brasileira (the brazilian version of IRS) and a smartphone compatible with our app for Android (version 4.4 or higher) or iOS (version 10 or higher).