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.
Unfortunately, based on the information you gave us, we will not be able to offer you a credit card at the moment.
This decision has not affected your credit score.
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