@ Kalopani : Yes credit is checked actually but as in your economic status if you can afford to keep the person who is visiting from abroad . They do your background check which includes your job and earning too . Another fact about sponsoring is Luck too sometimes you don't need to go through hassle some people are easily granted Visa i have seen it happened . Well i never sponsored anyone yet but i have seen my friends sponsoring their families / and few other Nepali families where i used to live few yrs back .