Am I Eligible To Apply For A Card?

Hot Topics

How can I protect myself when buying online?
As long as you have not been negligent, you're always fully protected against fraudulent charges when using the Internet to make purchases.
What is a credit report?
When you apply for credit, your credit history will be checked out before approving your application – and your credit card issuer will refer to one of the independent credit reference agencies.
Where can I pay my balance?
You can pay your balance in a variety of ways, choose whichever best suits you:
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.
Why is it worth making a Balance Transfer?
If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit 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.