If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Eligibility Checker

Here are your results

Your eligibility score is 20%.

Unfortunately, based on the information you gave us, you are unlikely to be approved for one of our credit cards.

This eligibility quotation has not affected your credit score.

Remember though, your score is an estimate, and not a full representation of your credit rating. It’s possible that we didn’t find enough information on your credit history and you may still be approved for a card.

10% Eligible

What does this mean?

There are several factors which influence our decision:

 

  • Affordability – this considers your employment, borrowing, spending and residential status. All these affect your ability to keep up with the repayments.
  • Credit rating – this is an overview of your ability to meet your financial commitments, from an independent organisation (Experian, Call Credit or Equifax).
  • Number of cards – having several credit cards already can have an impact on your eligibility.
  • Recent applications – if you have applied for a card recently, wait until six months have passed before applying again.

 

If you’re having financial difficulties, help is available. The Money Advice Service offers free and independent financial advice. You can also call our customer service team on 0345 964 5645 or visit your local branch.

Tips to improve your credit rating and other useful links

  • Get a copy of your credit file from Equifax, Call Credit or Experian. It may show specific problems which you can address.
  • Make sure you’re on the electoral register.
  • Don’t make too many credit cards applications. These appear on your credit report, and multiple applications can reduce your credit rating.
  • Cancel any credit cards you don’t use
  • Pay off your existing debts on time.

 

Useful links:

Return to Credit Card page

Reset Eligibility Checker