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.