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What is Credit?: Credit is an extremely useful way of paying for goods or services at a later time, usually paying interest as well as the original money. Offering real convenience, you can choose how to pay back credit in the way that best suits you.
What happens when I apply online?: Many online applications will result in a provisional decision within 20 seconds.
How is interest calculated?: Interest is calculated on a monthly basis on the outstanding balance if full payment has not been received.
How much will I have to pay each month?: How much you have to pay back each month depends entirely on how much you owe – however the general rule for most credit card companies is that you either make a minimum payment of 2% of the balance or £5, whichever is the higher figure.
What is Direct Debit?: Direct Debit allows your credit card company to take, according to your instructions, a variable amount of money from your bank account each month to pay all or part of your outstanding credit card balance.

Am I Eligible To Apply For A Card?

If you meet the following criteria then you are eligible to apply for a credit card in the UK:

You must be a resident of the United Kingdom.
You must have evidence of a regular income.
You must have a current account with a bank or building society that you have held for more than 6 months in the United Kingdom.
You must be 18 years old or older.
You must have a home telephone number.
Ideally, you will have no outstanding County Court Judgments or defaulted credit accounts – some credit card issuers will not offer you a credit card on these grounds.
You will have to read and confirm that you have understood the terms and conditions of the credit card agreement.
You will have to either meet or exceed the minimum credit granting criteria of the individual credit card issuer.

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