You can apply for a card online, in branch and over the phone, however some balance transfer offers are available exclusively online. You’ll find out if you’re successful about halfway through the application. Applying through Internet Banking will make your application quicker and easier. The application form is designed to work on your desktop, smartphone or tablet.
How we make a decision
When making a lending decision, these are some of the things we consider:
Your current level of borrowing and existing financial commitments.
Your employment status (e.g. if you are unemployed, or have only been in your job a short time).
Your residential status (e.g. if you have lived at your current address for a short time or have not been listed on the electoral register).
Whether you have kept up with loan or credit card payments.
The length of time you have held a current account.
Your card will arrive within seven working days and your PIN will arrive within five working days. If your card hasn't arrived within two days of your PIN, please call us on 0345 964 5645 (8am – 8pm,seven days a week).
Not all Telephone Banking services are available 24 hours a day, seven days a week.
You will also receive two emails:
Pre-contract information - This is the legal contract we provide to you before you accept the terms and conditions.
Adequate explanation and Credit Card Agreement - This is the terms and conditions you have signed. We will send this once your application has been completed.
If you are declined
There are a number of reasons why you might have been declined, for example:
You don't have enough disposable income to afford the repayments for the credit card you have applied for.
Your credit history shows missed payments on mortgages, loans and credit cards, or high levels of existing borrowing in relation to your income.
You have applied for a card within the last 30 days, or have an application pending.
Making sure you get a fair deal
We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.
To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.