32.9% APR Representative (variable)
We need a few details
We just need to check you have a permanent address
Providers need at least three years of address history to check your eligibility.
These details are secure and will only be used to find the cards you will be accepted for.
How many people depend on you financially? Please include any children, family members or household members who fully rely on you for anything financial.
Some credit card companies need to know how much childcare, child maintenance and school fees you pay each month. The rough amount per month is fine.
Tell us a little about yourself
Don’t worry, this is private - nobody will be informed.
Your details will be used to carry out a “soft search” on you and check your eligibility from a panel of providers - this will not affect your credit score. Understand how your data will be used by reading this privacy policy.
You need to be at least 18 years old to apply for a credit card
Last bit, tell us about your finances
Hmm... could this be your monthly income rather than your total annual income?
Please include your partner's annual income, or income you might get from savings and investments or rental properties.
Where shall we send your results?
We’ll send your personalised results to your email, including your chance of approval, making sure you only apply for cards you have the best chance of being accepted for.
We only use your email to communicate credit card related information to you. We won’t send you any marketing emails if you have asked us not to.
You need a valid mobile number. Providers need this information to make a decision.
By clicking on ‘Compare my Credit Cards’ you are agreeing with the Terms and Conditions of Compare Credit Cards and confirming that you have read their Privacy Policy.
You understand that Compare Credit Cards will carry out a soft search on your credit file to match you with the most suitable lender(s) on their panel and that they may also carry out a soft search to assess your eligibility for the product you are applying for. These searches will only be visible to you, and they will not affect your credit rating.
Contact & FAQ's
Will I be accepted for a credit card?
To check your eligibility for a credit card you must meet the following criteria:
✓ At least 18 years old
✓ Minimum annual income of £5,000
✓ Regular income paid into a UK bank account
✓ A UK resident
✓ At least 3 years address history
To check your eligibility for a credit card or personal loan, Compare Credit Cards (Digitonomy Limited) will perform a soft search on your credit file to match you with the most suitable lender(s) on their panel who may also carry out a soft search to assess your eligibility for the product you are looking for. These searches will only be visible to you, and they will not affect your credit rating.
If you need help or are unsure on any of this, please contact Compare Credit Cards (Digitonomy Limited) using this online form.
What is a soft search?
A soft search is a way of finding out information about your credit history. It is used by lenders to assess your eligibility for the product you are looking for.
A soft search does not affect your credit history.
Do I need a good credit score?
A good credit score will help increase your chances of being eligible for the most competitive products with the lowest interest rates (APRs). There’s no “magic” score that means you will be approved but the higher your credit score the higher the chance of being accepted.
If you feel that you are having difficulties managing your finances, you can find free independent advice at your local Citizen Advice Bureau, from National Debt Line (0808 808 4000), StepChange Debt Charity (https://www.stepchange.org), or online at MoneyHelper (https://www.moneyhelper.org.uk).
What is a Representative rate?
When a lender is offering a representative rate (also known as representative APR), it means that at least 51% of their customers received that rate or lower.
You will only find out the actual rate once you make a full application on the lenders website.
What does pre-approved mean?
Being pre-approved does not mean that you’re guaranteed to be accepted by the lender. You’ll get the product as long as you have provided accurate details and that you pass additional checks by the lender.
What credit limit can I get?
A credit limit is the maximum amount you can borrow on a credit card at any one time. The lender will determine the initial credit limit based on a number of factors whilst assessing your credit history.
Some lenders may offer you a guaranteed credit limit upfront. So, if you make a full application and take out that credit card you would receive the credit limit presented to you in the results.
Can I withdraw money from an ATM using the thimbl. card?
Yes, you will be able to withdraw money from an ATM using a credit card. However, please be aware that making a cash withdrawal on a credit card will incur substantial fees which usually depend on the amount withdrawn.
Often, this is around 2-3% of the amount in addition to the interest incurred as usual, which can be quite expensive. You should always use a debit card to make a cash withdrawal.
What is a balance transfer credit card?
A balance transfer credit card is designed to pay off outstanding balances from one or more other credit cards. Such cards typically have a 0% interest period such as 12 months. This period could give you time to pay off what you owe without accruing further interest.
Please note that balance transfer credit cards typically come with a fee ranging between 1.5% and 3.0% of the amount you intend to transfer.
I’m worried about my finances, what can I do?
If you feel that you are having difficulties managing your finances, you can find free independent advice at your local Citizen Advice Bureau, from National Debt Line (0808 808 4000), StepChange Debt Charity (https://www.stepchange.org), or online at MoneyHelper (https://www.moneyhelper.org.uk)
