Credit Cards FAQ

How quickly can I get my credit card?

Once we have your initial application, whether online or over the phone, we always try to get you a decision in principle within 24 hours. If you wish to go ahead, we'll keep you informed of the progress of your secured credit card and let you know exactly what you need to do and when. We'll do everything we can to make sure the process runs smoothly and you get the money as quickly and efficiently as possible.

Can I still get a credit card with a bad credit history?

When considering your application, lenders will take a variety of circumstances into account to assess the risk that you pose as a borrower. For example, if you are a homeowner and you have equity in your property, you are more likely to be offered a secured credit card at a more competitive interest rate, than an unsecured credit card. However, even if you are not a homeowner and have an adverse credit record, don't let that put you off applying because you might be surprised at the terms we can offer about a self employed credit card.

Where can I find a glossary of self employed credit card terms?

Just click on our credit card information glossary for an explanation of some of the words you might come across when you're looking for a self employed credit card or other form of finance.

What information will you need for a self employed credit card?

We'll require basic information about you and your financial circumstances in order to give you our decision in principle and will need more detailed information in order to progress your application. We may also need to value your property, in the case of a secured or homeowner credit card. However, you won't need any interviews and all the paperwork can usually be completed through the post and by phone.

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