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Credit card applications


Learn about eligibility, credit card applications, and how credit checks work.

To apply, you need to be:

  • Over 18.
  • A UK resident.
  • Earning a minimum gross annual income of £10,000.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

What you need to apply

  • Information about your income and outgoings each month.
  • Your previous addresses from the last 3 years.
  • The account number and sort code of your main bank account.
See our credit cards

How long applications will take

If you have all your information to hand, the application will take you about 10 minutes.

It will take us 5 working days to let you know whether or not your application had been successful.

How the credit checks work

We use a credit check to make sure you’re applying for the right card for you.

A credit reference agency produces a report on your credit history, and we use this information to decide if this product is suitable or not.

What to do if you've been refused

Customers who are not approved will have a note placed on their account that an application has been submitted and declined.

Being refused for a credit card can have a negative effect on your credit rating. If this happens, you should avoid applying for the same card again. All applications, positive and negative, will show up on your credit file.

You can improve your credit score by being on the electoral register and cancelling old credit cards.

Contact us

If you'd like more help & information, you can:

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