Credit Card Guide

Credit Card Applications

How to apply for a credit card
In normal circumstances you will need to be at least 18 years of age and have a regular income. The credit card company normally conducts a credit check on your background to ensure your can be traced and that you have an acceptable credit score. You will typically need to supply various documents to prove your identity, although this does vary depending on the credit card provider and some even give you an instant decision online.

Information you will need to have
Typically you will need to provide at least the below information when applying for a credit card.

- Personal details
- Proof of income
- Employment details
- Existing bank details
- Whether you are a home owner or a tenant
- Address information (normally for the last 3 years)
- Information of any debts you may have
- Information on any adverse credit registered against your name

If you have had credit problems in the past, it is often worth checking your current credit status using a company such as Experian. Companies like these hold records of your credit history and are often used by credit card providers during their decision-making process to see whether or not they will offer you a credit card, and also what limit they are happy to extend on your credit card. You should always be 100% honest with the provider at application stage with reference to bad credit, as not being forthcoming with information on your credit history will only hamper the application process, the providers have access to all the credit files against the individual applying.

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