On this page, you can learn about credit card applications, including what you need before you apply, and how credit checks work and could affect you.
Be 18 or over
Be a UK resident
Be in full-time or part-time employment, self-employed or retired
Be earning a minimum gross annual income (GAI) of £10,000
Not have had any Defaults, County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds, nor been declared bankrupt within the last 6 years
Not be in arrears and not have missed more than 2 payments on any credit agreement in the last 6 months
Be a Co-operative Member, if applying for a Co-operative Members credit card.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
The application form should take you about 10 minutes to complete if you have all your information to hand.
We’ll let you know the outcome of your application within 5 business days.
Any credit card application you make, whether successful or not, will show up on your credit file. An application search can negatively affect your credit score, and making multiple applications in a short time can negatively impact it further. This could make it harder to get credit in the future.
Before you apply, you can check your credit score to get an idea of how likely you are to be successful.
If your application isn’t successful, we’ll let you know why. It could be due to information we’ve received in the credit check, or information we already have about any of your existing accounts with us.
A credit reference agency returns information relating to your credit history, and we use it when deciding whether to accept your application. When you apply this will generate a ‘hard search’, which will appear on your credit file.
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