Your personalised chance of approval
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
Chance of approval scale
10/10 = Pre-approved
10/10 = Pre-approved
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
9.5/10 - 7/10 = Good chance
9.5/10 - 7/10 = Good chance
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
6/10 - 4/10 = Fair chance
6/10 - 4/10 = Fair chance
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
3/10 - 1/10 = Low chance
3/10 - 1/10 = Low chance
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.
Not eligible = Consider a different card
Not eligible = Consider a different card
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
Not rated = We don’t have enough infoinformation
Not rated = We don’t have enough infoinformation
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
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You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.
THE BASICS
- Representative APR {{::product.productAttributes.interestRates.representativeExample.apr}}% ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed | mappingFilter: aprFixedMap}})
- Payment Network {{::product.productAttributes.paymentNetworkId | mappingFilter: paymentNetworkMap}}
- Balance transfer fee {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% or £{{::product.productAttributes.fees.balanceTransfer.minFee}}, whichever is greater or £{{::product.productAttributes.fees.balanceTransfer.maxFee}}, whichever is greater
- Balance must be transferred within {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.introWindowMonths | singleOrPluralFilter : "month" : "months"}}
- Balance must be transferred within {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.introWindowDays | singleOrPluralFilter : "day" : "days"}}
CARD FEATURES
Great for
But be aware that
IS THIS CARD RIGHT FOR YOU?
To take this card you
Introductory interest rates
Long term interest rates
Fees
REPAYMENT DETAILS
- Interest free period - {{::product.productAttributes.repaymentDetails.interestFreePeriod}} {{'day' | pluralize:product.productAttributes.repaymentDetails.interestFreePeriod}}
- Your monthly minimum payment will be the greater of:
-
- {{::product.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{::product.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
- {{::product.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement
- OR
- The full balance if less than £{{::product.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
- OR
- {{::product.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any
arrears which are payable immediately.
- If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
- The above minimum repayment details may vary between providers, so please review T&Cs for specific details
Credit limit
Other features
HOW YOUR PROMOTIONAL RATES WILL CHANGE
- After {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize:product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}}, the rate on Balance Transfers will go from {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% to {{::product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate}}%.
- After {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize:product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}, the rate on Purchases will go from {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% to {{::product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate}}%.
FEES TO BE AWARE OF
- For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring.
- For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a minimum charge of £{{::product.productAttributes.fees.balanceTransfer.minFee}}.
- For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a maximum charge of £{{::product.productAttributes.fees.balanceTransfer.maxFee}}.
- For a balance transfer, you'll be charged {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% of the balance you're transferring. There is a minimum charge of £{{::product.productAttributes.fees.balanceTransfer.minFee}}. There is a maximum charge of £{{::product.productAttributes.fees.balanceTransfer.maxFee}}.