Creates a new credit application and runs the credit policy evaluation. Returns the maximum approved values and available offer parameters for different terms.

Each offer in offer_parameters_list represents a simulation result with detailed financial parameters.

Important Notes:

• Cart fields (order_reference, cart, shipping) are optional but recommended for accurate offer calculation
• Every time the shopping cart is updated (items added/removed, quantities changed, shipping modified), you must call this endpoint again to recalculate the offers
• Additional simulation details can be included in the response upon request