Welcome to the Help Centre
Can I check whether I am likely to be approved before I apply?
You can use our Eligibility Checker tool to see if you are eligible before you apply formally, without affecting your credit rating. The Eligibility Checker leaves a 'soft' search which won't affect your credit rating but can be seen by you if you pull your report.
Credit check
We will give your application a credit check to ensure you are able to meet the obligations of being a Cardmember. This usually includes looking at:
Your ability to repay.
Your financial responsibility.
The possibility of you not paying back your debt.
Your credit history.
You can find more information about your Credit Score and how to improve it here.