What does this mean?

Before you decide to apply, you might want to think about your financial position as a whole and your ability to make the repayments. In particular, your answers to these questions could affect your ability to get a card with us:


  • Have you missed a credit card, loan or mortgage payment in the past 6 months?
  • Are you on the electoral register?
  • Have you applied for credit in the past 6 months?
  • What is your current level of borrowing and financial commitments?
  • If your circumstances are likely to change in the future, please take this into consideration when applying.


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.