Nu evaluates your credit history, income, and document information. The initial limit is usually low and grows with responsible use.
Step by step
How long it takes
To continue reading, see go to the official site nu.com.mx.
↗ You will leave this site. Never pay or share your banking password to apply.
What they'll ask for
What helps and what hurts
| Situation | Effect | What to do |
|---|---|---|
| Accounts up to date | helps | maintain |
| Late debt | hurts | negotiate first |
| Multiple requests in a row | doesn't help | wait for the app's timeline |
Everything you need to know
Why the limit starts low
For new customers, the bank doesn't yet know your payment behavior. That's why the initial limit is usually smaller.
With frequent use and your bill paid on time, the app may offer increases.
If your request is denied
The app will inform you of the result and the timeline to try again. Use that time to settle any outstanding debts and check your information.
Don't pay anyone promising approval: it's a scam.
Use without complications
Use at most a portion of your limit and pay your full bill. Installments and minimum payments generate high interest.
Enabling app notifications helps you control spending.
Quick tips
Bill on timealways
Use part of your limitnot all of it
Never paylegitimate companies don't charge fees
Frequently asked questions
How do I request a credit limit increase?
Through the app itself, when the option is available to you.
Does a bad credit history prevent me from requesting?
It doesn't prevent the request, but outstanding debts weigh on the analysis.
Can I try again if I'm denied?
Yes, after the timeframe indicated in the app.
Can someone guarantee my approval?
No. Only the bank decides, and it doesn't charge to approve.