How do I know if I’m eligible to apply for a credit card?
Before you begin, head to our eligibility checker. This will give you an indication of whether you’ll be approved and the credit limit we’d be able to offer. And don’t worry, using the tool will have no impact on your credit score.
To apply for a credit card in the UK with 118 118 Money, you'll need to:
- Be between 18 and 70 years old
- Earn at least £8,400 a year
- Live in the UK permanently
- Not currently be in arrears with another lender
- Have had no default payments in the last six months
What details will I need to give when I apply for a credit card?
When you apply for your credit card, we’ll need you to provide us with a few basic details about yourself as part of our pre-application eligibility check. These include your:
- Email address
- Date of birth
- Current employment and residential status
- Net monthly income
- Home address
What types of credit card can I apply for?
We know that not everyone’s needs are the same. That’s why we offer a number of different types of benefits through our credit card. Of course, before you make any final decisions, it’s important that you understand the features of a 118 118 Money Credit Card and whether these are suitable for you. Follow the links below to find more information on:
Can I apply for a credit card with bad credit?
Yes, you can apply for a credit card with bad or low credit. We will look beyond your score when we review your application, because we believe everyone should have access to credit at a fair and affordable price.
Of course, we can never 100% guarantee that you will be accepted as each application will be looked at in its own right. But rest assured we do consider applications from those with a less-than-perfect credit rating.
Will applying for a credit card affect my credit rating?
Applying for a credit card can impact your rating. Each full application leaves a mark on your credit file, too many searches in a short period can therefore have a negative impact on your credit score. Remember: you can use our eligibility checker before you apply to see if you are likely to be approved - this won't affect your credit score.
And, if you are approved and you repay your monthly repayments on time, it can help improve your rating because it shows lenders that you’re responsible with credit.
A full application does require a credit check which will be visible to other lenders.
How do you decide if my application is approved or not?
When you apply for a credit card with 118 118 Money, your success is based on your credit profile and other publicly available information. These include your presence on the electoral register as well as any county court judgments. Of course, the better your credit profile, the more likely you are to be approved.
Apply for a credit card in the UK with 118 118 Money
Before you apply, use our eligibility checker to find out if you’ll be accepted and what credit limit we can offer you. And don’t worry, it won’t have any impact on your credit rating.