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.
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