Am I Eligible To Apply For A Card?

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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.
How can I keep my credit card secure?
Like anything, a credit card can be stolen or used without your knowledge, so follow these simple rules to keep your credit card secure:
Where can I pay my balance?
You can pay your balance in a variety of ways, choose whichever best suits you:
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.
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.