Gay eBooks Blog How to Use a Credit Card Eligibility Checker

How to Use a Credit Card Eligibility Checker

Using our easy to use credit card eligibility checker, you can find out which Bank of Scotland credit cards you could be eligible for and your likely credit limit. You can use it before you apply for a card or at any point in the future without affecting your credit rating, so it’s a great way to decide whether you’re likely to be accepted.

Is it better to apply for credit card in person or online?

Our credit card eligibility checker uses a “soft search” of your credit file to assess your chances of being accepted for a thimbl credit card. This means it won’t affect your credit score, but other providers will see the search and it may have an impact on your application.

What it means to be pre-qualified

When a credit cards vanquis issuer provides a pre-qualification form online, it generally asks for your name, address and the last four digits of your social security number. In addition, many issuers offer a disclaimer that pre-qualification does not guarantee you’ll be approved for the credit card.

What it means to be pre-approved

When you receive an invitation from a credit card issuer offering a “preapproval,” it generally implies that the lender has done an initial review of your credit history or financial information and determined that you have a good chance of being approved for a specific card. The difference is that the preapproval process is more formal than a pre-qualification one, as it usually involves an actual application.

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