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Credit card applications

If you’re thinking of applying for a credit card, we have some helpful information below about eligibility, credit checks, and how long the application process will take.


In this article

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Once you've completed your application, you can track its status 24/7

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Eligibility for our Classic Credit Card

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • A UK resident.
  • Earning a gross annual income of at least £10,000.
  • Employed full time, part time, self-employed or retired.
  • 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 assessment of your personal circumstances.

Eligibility for our Gold Credit Card

To apply (as the main cardholder) you need to be:

  • 21 or over.
  • A UK resident.
  • Earning a gross annual income of at least £15,000.
  • Employed full time, part time, self-employed or retired.
  • 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 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 days to let you know whether or not your application had been successful.

How the credit check works

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 haven't heard anything

We will be in touch within 5 working days with a decision about your credit card application.

If you don't hear from us, please call us on

+44(0)345 600 6000

( Call charges )

What to do if you've been refused

Customers that 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.

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