Your personalised chance of approval
We've used the details you gave us to show you how likely you are to be accepted for each card.
Why is this important?
Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.
It's easy!
The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.
Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".
If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.
If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.
If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.
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We’re searching credit cards to find you a great deal.
Representative Example: If you spend {{::representativeExample.amount | handleCurrencyFilter}} at {{::representativeExample.interestDescription}} interest rate of {{::representativeExample.interestRate}}% p.a. ({{::representativeExample.fixed === false? 'variable': 'fixed'}}) {{::representativeExample.feeAmount !== null && representativeExample.feeDescription ? 'with a ' + (representativeExample.feeAmount | handleCurrencyFilter) + ' ' + representativeExample.feeDescription + ' fee': ''}} your representative rate will be {{::representativeExample.apr}}% APR ({{::representativeExample.isAPRFixed === false? 'variable': 'fixed'}}).
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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}}.