Not necessarily. Your credit history needn’t mean you get turned down. Applications are considered on merit and we’ll still consider you if you’ve been turned down in the past.
Apply online by filling in our application form.
No, it costs nothing to apply, and if accepted there is no annual fee.
If you apply online you should get a response within one minute. If we need to talk to you about your application, we’ll normally call you within 15 minutes of your application being submitted. If we can’t speak to you then, we’ll continue to call you over the next weeks.
If you reply by post to a direct mail application and we need to speak to you about your application, we will call you.
For most accepted customers, we’re able to tell you over the phone that you’ve been accepted. Normally all applicants will receive a decision within 28 days of submitting their application.
We use risk based pricing and when you apply to us we assess the information on your application form and any information we have on your credit history from credit reference agencies.
We’ll send you your card and Welcome pack to your home address. You’ll need to call us to activate your card.
After applying and receiving your credit limit, if you change your mind, you have 15 days to withdraw from your credit card agreement with us and cancel the card. You can do this by phone or in writing. You will have to repay us any credit and interest outstanding on your balance within 30 days. Interest will be charged for each day between the credit being drawn down and repaid. At any time, you can ask to close your account. To do so you must repay us any credit, interest and unpaid fees and charges outstanding on your account.
Please refer to your terms and conditions for more information on how you do this.
It usually takes between 10-14 days from you submitting your application, but if we need to contact you for more information it could take longer. Your PIN (Personal Identification Number) will arrive separately in the post.
As a responsible lender, we take into account your financial circumstances to establish the appropriate level of credit to grant you. To help us do this, applications may be assessed using a process called credit scoring which assesses credit stability and ability to pay. Credit scoring produces consistent decisions and is designed to ensure all applicants are treated fairly.
If we have declined you, this is based on the information we have obtained and the way this information is used in our credit scoring system.
If you would like us to reconsider our decision, you can write to us at New Accounts Department, P.O. Box 399, Chatham, Kent, ME4 4WQ and provide us with any additional information that you consider relevant. You have the right under the Data Protection Act 1998 and Consumer Credit Act 1974 to see information held about you.