The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

Eligibility Checker

Good news

Your eligibility score is 50%.

Based on the information you gave us, there is a chance you would be approved for one of our credit cards.

This result is an estimate, and should you decide to apply, we will conduct a full credit check before making our final decision.

This eligibility quotation has not affected your credit score.

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.

 

Please remember that if you are approved for a card with us, the promotional offer, APR and Credit Limit you are offered will depend on your personal circumstances.

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