Credit Card Applications



What you need to apply

How long will the application take?

How the credit checks work

What to do if you've been refused


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

To apply the main card holder must meet the following:

  • 18 or over.

  • UK resident.

  • Earning a minimum Gross Annual Income (GAI) of £10,000.

  • An existing customer having held a Co-operative Bank or smile current account for at least 1 month (Cashminder, Student and Pathfinder accounts are not eligible).

  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.

  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.

  • Must be employed full time, part time, self-employed or retired.

  • If applying for a Co-operative Members credit card, be a Co-operative Member to be eligible for cashback.

Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

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

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.

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

A credit reference agency produces a report on your credit history, and we use this information to decide whether to accept your application.

What to do if you've been refused

There may be instances where we decline your application due to information we’ve received from credit reference agencies, or information we already have regarding any existing accounts with ourselves. If we do decide to decline your application, we will let you know why.

Please note, any credit card application you make, whether successful or not, will show up on your credit file. Therefore, being refused for a credit card can negatively affect your credit rating, which could make it harder obtaining credit in the future.

For free and impartial advice, please see the following website article: Money Advice Service.

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