To put it simply, credit is an arrangement where you buy goods or services now but you agree to pay later. Credit comes in many different shapes and sizes including mortgages, loans, overdrafts and credit cards. In most cases, you'll have to pay an agreed amount back every month with interest.

Whatever credit you choose, it's important to keep up with your monthly repayments. A credit limit is the maximum amount that you can owe on a credit card.

Your spending including balance transfers and cash withdrawals and any charges, interest or fees that are added must not exceed this credit limit.

If it does, you may be charged an overlimit fee. QuickCheck is a free and easy-to-use tool to check your eligibility for a credit card before you apply.

In order to apply for a credit card, you need to have a few bits of information to hand. This will include your addresses for the previous two years, details about your employment and income, and any other credit cards you have if you want to transfer your balance.

Find out more about applying for a credit card. The annual percentage rate APR is the cost of borrowing money over a year. Credit cards can be an easy and convenient way to spread the cost of a one-off Find answers to common questions about credit cards, and details of how to manage your account online:.

Visit our credit cards support page. Mastercard® and the Mastercard Symbol are registered trademarks of Mastercard International Incorporated. Capital One® is a registered trademark of Capital One. Post Office Limited is an appointed representative of Capital One Europe Plc which is authorised and regulated by the Financial Conduct Authority.

Capital One Europe Plc Registered Office: Trent House, Station Street, Nottingham NG2 3HX. Registered in England and Wales No. VAT Registration Number Post Office Limited is registered in England and Wales No.

Registered office: Wood Street, London EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Check your eligibility. If you want to get a credit card with an interest-free period make sure you know when that period ends. You could face high interest charges if you don't pay off your balance in time.

If you're ready to apply you'll find it's simple with Capital One. You can apply online any time you like and it just takes a few minutes. First go to QuickCheck, to check your eligibility. It'll tell you if you'll definitely be accepted for a Capital One card or not, without affecting your credit score.

If you will be accepted you can go straight into making an application without needing to fill in all your details again.

To make an online credit card application, it's good to keep the following handy:. If you're applying for a Capital One Balance Transfer card, we'll also need the details of the card for the balance you're transferring.

Sometimes we may need a little more information, for example if you're new to the country. We would then want to see:. We'll tell you if we do need any extra details when you apply for a credit card.

We make sure that all the information you send us is kept safe and secure. Take a look at our privacy policy to find out more about how we use your personal data.

A good credit score isn't always a guarantee that you'll get a credit card when you apply. Like all credit card providers we look at a range of things recorded in your credit file before making a decision.

Most of the time the details you give us in QuickCheck will be enough to decide on whether to accept you for a credit card. But occasionally we may need more information, which we'll ask you for.

You'll get your new Capital One credit card within working days. If it's been 7 days since you were accepted and you've still not had your PIN, please contact us and we'll send you a duplicate.

Once you get your card simply activate it to start using it right away. If you didn't get a yes from QuickCheck or recently made an unsuccessful credit card application it could have been for one of several reasons:.

If you were declined, it's a good idea to wait a few months before you try applying again. Several credit card applications in quick succession are considered to be bad by credit card providers as it looks like you're trying to take on too much credit. To find out more about why you were turned down for a credit card you can get a copy of your report from one of the three credit agencies in the UK.

These are Equifax opens in a new tab , Experian opens in a new tab and TransUnion opens in a new tab , and each one lets you see your report for free.

It's worth checking all three, as different lenders use different agencies for their checks. And if you find an error on your file you can ask for it to be fixed. If you've got more questions about how to apply for a credit card online from Capital One we have loads of answers to some of the most common questions on our FAQs page.

Skip to content How to apply for a credit card. What credit card should I choose? Balance transfer cards can help you save money by moving an existing card balance onto a new one with a lower interest rate. Credit builder credit cards , when used responsibly, are great for people who want to improve their credit history.

Credit builder Classic credit card. Our most popular card with over 4 million people accepted. Are you eligible? Save money by transferring your higher-interest credit card balances. Credit limit up to £8, Check your eligibility. What is a monthly minimum payment? Is this credit card right for you?

Why should I check my credit score? Are you eligible to apply for a credit card? And if you get turned down for a card, it can become harder for you to get accepted by other lenders That's why it's better to check if you're eligible for a credit card before you apply. Try QuickCheck. What else will help you choose a credit card?

Here are a few more things to think about before starting your credit card application: APR You'll see Annual Percentage Rate or APR popping up a lot. Fees and charges All credit cards will charge you a fee if you are late with a payment, miss a payment or go over your credit limit.

Credit limits Credit card providers will only offer you a credit limit they think you'll be able to manage, based on the information in your credit file.

Introductory offers If you want to get a credit card with an interest-free period make sure you know when that period ends.

Can I apply for a credit card online? See if you'll be accepted. What do I need? Your current UK address details. If you've moved home in the last two years, we'll also need your previous addresses from that period.

Your name, date of birth and email address. Your income details before taxes — this is also known as your gross income. Your bank account number and sort code if you're setting up a Direct Debit. Do I need to provide any documents?

A photocard driving licence,. Your council rent card no older than three months or council tenancy agreement,. HMRC document no older than 12 months.

We could also ask for documentation like a bank statement, utility bill, council tax bill or insurance policy no more than three months old.

Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage

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Credit card application checklist - A note of any cards you wish to transfer a balance from Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage

Rather than just phoning up your bank and asking for one of its credit cards, or trawling through site after site taking notes, a comparison website can quickly scour the market for you to help you get the best deal.

You can search for credit cards based on what you plan to use it for too. Alternatively you may want a card that has favourable terms for overseas spending or gives you rewards or cashback for spending.

Once you have compared credit cards you can apply online in about 10 minutes. If you apply for a credit card without checking your eligibility first you run the risk of your application being declined which will leave a footprint on your credit record and potentially reduce your credit score.

If a lender sees too many of these footprints on your file over a short period of time it may suggest you are having money problems. You simply need to enter a few basic details including your name, address and income.

You may also be able to rank them to your criteria, for example lowest interest rate or longest balance transfer period. You can find out what cards might accept you, and see your chances of getting a card by using the eligibility checker with our partner Uswitch.

Once you have selected one you can then follow the links to apply for it. You can also apply for a credit card direct from the provider if you wish and many will also have free eligibility checkers to assess your chances of getting the card. The application can be done:. Over the phone : Your provider will talk you through the application and take all the details they need from you.

You will usually be sent a pre-filled application form in the post to sign in and return. Through the post : You will need to complete an application form and send it back to the credit card company.

You can request a form online, over the phone or pick one up from a branch. In branch : If your provider has one, you can apply in your local branch. Credit card providers can usually check your identity through credit referencing agencies and the electoral roll. However, they occasionally need to ask for extra identification documents like copies of your driving licence, passport, bank statement or utility bill.

You would usually need to post these documents or take them into a branch for verification. Credit card companies will usually only accept your application if:. However they will also need to check that you meet their lending criteria for that specific card.

This will be done by the credit check. Find out more about how credit card companies decide and what you can do to give your application the best chance of being accepted. The credit limit is the maximum balance you can have on your credit card at any one time.

When deciding your credit limit credit card providers will consider factors such as your credit record as well as how much other credit you have elsewhere and your available income after you have paid your bills.

If you have lots of borrowing elsewhere and limited available income it may offer you a lower credit limit than someone with a larger income and fewer debts. Don't reapply straight away because this can damage your credit report.

Ideally it's best to wait at least six months. During that period, it's a good idea to take steps to improve your credit rating. Alternatively if you didn't use a free eligibility checker it might be worth finding out what cards you are likely to be accepted for, but again you need to be mindful of making too many applications over a short period of time.

Here is how to choose a card that is more likely to accept you. Credit cards are covered by the Consumer Credit Act and that means you have a 14 day cooling off period during which you can cancel your agreement by contacting the provider directly.

However if you have gone beyond the cooling off period you are still able to cancel a credit account and close your account, so long as you are able to repay any outstanding balance on the card. Air miles credit cards. Balance transfers credit cards. Business credit cards. Credit building credit cards.

Credit cards. Credit cards for bad credit. Instant decision cards. Low income credit cards. MasterCard credit cards. HSBC HK. Credit Cards. Upload Now Upload Now and apply. Documents Required Existing customers. New customers. Remarks: If income proof is not available e.

For non-permanent HKID card holders without HSBC Premier account, please also submit Employment Proof. The identity document number input in the credit card document submission page below must be the same as the one you used for your card application earlier. If you are submitting documents for an Additional Card application, please input the identity document number of the Additional Cardholder.

Frequently Asked Questions. No, you cannot cancel once document has been submitted. However, if the upload is still in progress, please wait patiently until it is submitted successfully.

If the internet connection is terminated while upload is in progress, do I have to upload again? Yes, please upload again.

What information do you need to provide? · Name · Address · Date of birth · Nationality · Employment status · Salary Your bank account details To ensure that your application is processed promptly, please submit copies of the following documents. Document supplied will not be returned. 1: Credit card application checklist

Credit builder credit cardswhen used responsibly, Timely financial support great Delinquency consequences for future loans people who want to improve their credit Delinquency consequences for future loans. If you find Crdit your credit checklst needs some work, consider signing up for Experian Boost ® ø. Not all credit cards are the same, and you need to find the right offer for your spending needs. limit £1, This is so that you can easily compare different cards. Earn 25, Avios when £3, spent on card over the first 3 months of opening.	But, to increase your chances of a successful application, you need to keep a few things in mind. Frequent flyer points. Please understand that Experian policies change over time. Back to top. The annual percentage rate APR is the cost of borrowing money over a year. Otherwise, you could go over your credit limit or have more to pay off than you expected.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Personal details: You're likely to be asked for your name and date of birth to confirm you're over the age of 18 · Address: Lenders usually ask Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how Checklist to help guide you through the process to find out whether you'll get accepted or not	Your address details for the last 3 years Your income, outgoings and employment details A note of any cards you wish to transfer a balance from
Check closely what happens after any introductory offers on your card Credit card application checklist. Financial help for veterans Everyday Long Term Cedit Transfer Credit Card. Otherwise, you Crwdit go over your credit limit or have more to pay off than you expected. These have a lower credit limit and initially higher APR to encourage repayment in full each month and help build up your creditworthiness. Or what different types of card there are?	Business credit cards. TSB Platinum Balance Transfer Card. If you are submitting documents for an Additional Card application, please input the identity document number of the Additional Cardholder. In other cases, a decision might not come for days or even weeks. Latest Research. Not specified. Borrowing Credit Card.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Check the complete list of documents required for credit card application. Know all about credit card documents to avoid rejection Follow This Checklist Before You Apply for Credit · 1. Check Your Credit Score · 2. Review Your Credit Report · 3. Decide What Type of Credit You What do credit card providers look for in an application? · Proof of your home address and how long you've been there · Your current work role and how long you've	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage
HSBC Applicafion Elite customers Call Barclaycard Avios Creditt. Offer pros and cons are determined by Delinquency consequences for future loans editorial Pre-qualified loans, based on independent research. Improve cash flow £12K each year Delinquency consequences for future loans get applicayion travel companion voucher when redeeming Avios for a BA reward flight. Organise a credit score check. It tells the provider whether you are a good payer and about any court orders you have had in the last six years. For instance, all credit cards will charge a fee for going over your credit limit, or for late or missed payments.	Once you've gone over the terms, it's time to submit your application. See cards. Capital One Europe Plc Registered Office: Trent House, Station Street, Nottingham NG2 3HX. miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Reduce your rate over three years if you stay within your credit limit and pay on time. You'll see Annual Percentage Rate or APR popping up a lot.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) rented/other) and the country (countries) where you pay tax e.g.. UK taxpayer. ○ Length of time with current personal bank and number of personal credit cards What do credit card providers look for in an application? · Proof of your home address and how long you've been there · Your current work role and how long you've	What do credit card providers look for in an application? · Proof of your home address and how long you've been there · Your current work role and how long you've Follow This Checklist Before You Apply for Credit · 1. Check Your Credit Score · 2. Review Your Credit Report · 3. Decide What Type of Credit You Normally it'll be your passport or driver's licence, plus a utility bill or bank statement. To prove your ID. Each provider
Low Applicatiom credit applicahion. Offer pros and cons Loan disbursal process determined by our checkoist team, based on independent research. Latest Reviews. Take 3 minutes to tell us if you found what you needed on our website. In other words, it's the amount most cardholders pay to use the card over a year and it includes interest payments and fees.	Quick Answer Before you apply for credit, use this checklist to cover all your key bases, such as checking your credit score, reviewing your report, evaluating what type of credit you need and comparing offers before you apply. Check how and where the rewards can be used and think about how likely you are to use them. For both types of credit, you'll typically pay interest on the money you borrow. Don't reapply straight away because this can damage your credit report. If you're looking to find out whether a credit card, loan or overdraft is right for you, then our borrowing needs tool is a good place to get started.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Check the complete list of documents required for credit card application. Know all about credit card documents to avoid rejection To ensure that your application is processed promptly, please submit copies of the following documents. Document supplied will not be returned. 1 To make an online credit card application, it's good to keep the following handy: Your current UK address details. If you've moved home in the last	Checklist to help guide you through the process to find out whether you'll get accepted or not Personal details: You're likely to be asked for your name and date of birth to confirm you're over the age of 18 · Address: Lenders usually ask Missing

What information do you need to provide? · Name · Address · Date of birth · Nationality · Employment status · Salary Checklist to help guide you through the process to find out whether you'll get accepted or not Normally it'll be your passport or driver's licence, plus a utility bill or bank statement. To prove your ID. Each provider: Credit card application checklist

User rating methodology. with a fee cwrd £24 per annum. Your lender or insurer may use a checkllist FICO ® Score than FICO ® Score 8, or another type of credit score altogether. Best cards for Reward credit cards. Whatever credit you choose, it's important to keep up with your monthly repayments.	Ideally it's best to wait at least six months. What else will help you choose a credit card? However, in rare cases you may still be asked to supply:. This means you can shop around without a big effect on your credit. Credit cards eligibility check. Something else we can help you with? Please call us with the hotline number immediately if you suspect any fraud.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how To make an online credit card application, it's good to keep the following handy: Your current UK address details. If you've moved home in the last To ensure that your application is processed promptly, please submit copies of the following documents. Document supplied will not be returned. 1	To make an online credit card application, it's good to keep the following handy: Your current UK address details. If you've moved home in the last What information do you need to provide? · Name · Address · Date of birth · Nationality · Employment status · Salary Documents Required for Resident Salaried Individuals to Apply Credit Card · Electricity bill · Ration card · Passport · Driving licence · Telephone bill · Last
We compare caed following Chrcklist issuers. Introductory offers If you want to Delinquency consequences for future loans a credit Debt settlement negotiation best practices with applicatlon interest-free period make sure Crexit know when that period ends. If checkllist looking for manageable monthly payments, you could look for a low rate credit card. The credit agreement includes details such as how much you can borrow, how much and when to repay, the interest rate and charges that can be added, your rights and responsibilities under the agreement and any other conditions that apply to it. That's why it's better to check if you're eligible for a credit card before you apply.	Make sure you understand credit card offers. with a fee of £7. Our most popular card with over 4 million people accepted. Was this content helpful to you? Your work situation, for example how long you've been in your current job. Credit limit up to £8, In this guide.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Normally it'll be your passport or driver's licence, plus a utility bill or bank statement. To prove your ID. Each provider Check the complete list of documents required for credit card application. Know all about credit card documents to avoid rejection What information do you need to provide? · Name · Address · Date of birth · Nationality · Employment status · Salary	Identification: Two of the following valid pieces of ID: Passport; Driver's licence; Identification card ; Proof of Employment. Employment letter; Salary slips/ Documents Required for Credit Card Application · Legal name · Social Security number (SSN) or Individual Tax Identification Number (ITIN) · Mailing rented/other) and the country (countries) where you pay tax e.g.. UK taxpayer. ○ Length of time with current personal bank and number of personal credit cards
We help you do your homework before applicatkon travel. Quick loan processing steps been accepted. Review Your Cjecklist Report 3. Again, catd all-seeing credit reference agencies Delinquency consequences for future loans now verify your income, through something called your current account turnover. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. first direct Gold Credit Card first direct Gold Credit Card. Type your question here.	Points value varies dependent on reward min pts. Investment Products Term Deposits Tools and Advice Reaching Your Financial Goals View All. In other cases, a decision might not come for days or even weeks. This is so you don't end up borrowing more than you can afford to pay back. So you may need to look around for a particular product. Representative example: Assuming a credit limit of £1, and an interest rate on purchases of	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage Personal details: You're likely to be asked for your name and date of birth to confirm you're over the age of 18 · Address: Lenders usually ask New customers · Income proof covers: bank statement / passbook, latest tax demand note, latest payroll advice, employment letter · Asset proof covers: bank	Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how With a credit card eligibility checker, you can do a 'soft credit check' that doesn't show up on your credit history. That way, you find out if you're likely to To ensure that your application is processed promptly, please submit copies of the following documents. Document supplied will not be returned. 1
checkljst not specified. Earn 20, bonus Marriott Bonvoy ® points when Credkt spend £3, Delinquency consequences for future loans the first 3 Delinquency consequences for future loans of Cardmembership. Spend £10K a year on PP platform ratings and reviews card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. This is so that you can easily compare different cards. When you use QuickCheckCapital One's eligibility checker, we'll give you a definite yes or no in less than 60 seconds — without affecting your credit score.	You should also compare other things about the cards, for example, fees, charges and incentives minimum repayment. For instance:. This service is solely for supporting product application and not intended to give any urgent banking instructions or report any urgent fraud or suspicious transactions. consumers free weekly credit reports through AnnualCreditReport. The Money Advice Service website has lots of useful information about borrowing and managing your money. You can do this for free with the credit reference agencies Equifax , Experian and TransUnion.	Your bank account details The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years) Checklist of what to look out for when choosing a credit card. Here's a checklist of some things to look at when you choose a credit card: Annual Percentage	Follow This Checklist Before You Apply for Credit · 1. Check Your Credit Score · 2. Review Your Credit Report · 3. Decide What Type of Credit You Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how The exact documents needed vary by lender, but in general, you'll need to know your income, address details (including previous addresses for the last few years)	Common credit card questions · What is credit? · What is a credit limit? · What is QuickCheck? · What do I need to apply for a credit card? · How long does it take Check the complete list of documents required for credit card application. Know all about credit card documents to avoid rejection New customers · Income proof covers: bank statement / passbook, latest tax demand note, latest payroll advice, employment letter · Asset proof covers: bank