One Check - our credit card eligibility checker

Simply answer a few questions to get an eligibility check decision. It takes about 5 minutes.

  • See your estimated credit limit up front.
  • See all the credit cards you're eligible to apply for.
  • It won't affect your credit score.

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Why should I check my eligibility?

Applying for a credit card can have a negative impact on your credit score if you’re turned down. One Check helps protect your credit score by telling you if you’re likely to be accepted for a credit card before you apply. You’ll also get your estimated credit limit, interest rate, and how long any introductory offers will last, upfront.

You'll need to tell us:

  • Last 3 years UK address history.
  • Your annual income and employment status.
  • Your other spending commitments.

  • It does this by using what’s known using a ‘soft search’ to show you which Bank of Scotland credit cards you’re likely to be accepted for before you apply. This soft search can’t be seen by other lenders on your credit file, meaning they can’t use it when making a decision.

    • We’ll show you which Bank of Scotland credit cards you’re eligible to apply for, and what credit limit we could offer you.
    • You can then complete a full credit card application. We’ll use information already provided, so you don’t have to give it again.
    • The application process is secure. Our privacy notice tells how we use and store your information.
    • To keep your details safe, we’ll clear the form after a period of inactivity. 

Who can apply?

To be eligible to make an application, make sure:

  • You’re a UK resident, aged 18 or over, with a regular annual income.
  • You’re free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • You’re not unemployed or a student.
  • You’ve not been declined for a Bank of Scotland credit card within the last 30 days.

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.

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