Am I guaranteed approval if I apply for a credit product through Nova Credit?

You are not guaranteed approval if you apply for a credit product through Nova Credit. We help our partners access and use your home country's credit information in their evaluation process. Your application decision is made independently by the partner and could be affected by multiple factors. The decision for whether to grant you a credit card is solely based on the lender's proprietary logic, for which Nova Credit is one of the factors.

Applying for a credit product through Nova Credit does not guarantee approval. Our lender partners assess the strength of your application independently, and Nova Credit is not involved in the evaluation process. Your chances of approval usually depend on your home country's credit score and other evaluation criteria of the specific credit card you’re applying for.

We serve as an intermediary, helping you use your home country's credit score and provide it to local lender partners to help them better evaluate your application based on their own criteria. This means you may be able to utilize your overseas credit history when applying for a credit product. The lender can better evaluate your application including your foreign credit history. Please note that the decision to approve or decline is determined by the lender. Nova Credit can not influence lender's decision logic and policy.