how to apply for a credit card uk

Join 7.5M+ CRED members to earn rewards on your credit card bill payments. 19, Amazon told British customers in an email, it will stop accepting the cards "due to the high fees Visa charges for processing credit card. Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process.

: How to apply for a credit card uk

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Student visa

You must apply online for a Student closest americas best glasses to my location which documents you’ll need to apply.

As part of your application, you’ll need to prove your identity. How you do this depends on where you’re from and what type of passport you have.

You’ll either:

  • give your fingerprints and a photograph (biometric information) at a visa application centre
  • use the ‘UK Immigration: ID Check’ app to scan your identity document - you’ll also create or sign into your UK Visas and Immigration (UKVI) account

You’ll be told what you need to do when you apply.

Once you’ve started your application, you can save your form and complete it later.

Start now

How how to apply for a credit card uk it takes to get a decision

You’ll usually get a decision within 3 weeks.

You may be able to pay to get a faster decision- you’ll be told if you can when you apply.

You may be able to apply to:

You may be able to pay to get a faster decision - you’ll be told if you can when you apply.

After you apply

You’ll be contacted if your application is complex and will take longer, for example because:

  • your supporting documents need to be verified
  • you need to attend an interview
  • of your personal circumstances (for example if you have a criminal conviction)

If you need to change something in your application after 1st financial federal credit union routing number sent it contact UK Visas and Immigration (UKVI).

You can ask to withdraw your application by contacting UKVI. Your fee will only be refunded if UKVI has not started processing your application.

After you get a decision

If your application is successful, you’ll get either:

Find out what happens after you get your decision.

Print entire guide

Источник: https://www.gov.uk/student-visa/apply

rewards for paying credit card bills.

join 7.5M+ members who win rewards and cashbacks everyday

Download CRED

feel special more often.

exclusive rewards for paying your bills

every time you pay your credit card bills on CRED, you receive CRED coins. you can use these to win exclusive rewards or get special access to curated products and experiences. on CRED, good begets good.

Explore rewards

rewards from brands you love.

we take your money matters seriously.

so that you don’t have to.

never how to apply for a credit card uk a due date with reminders to help you pay your bills on time, instant settlements mean you never wait for your payments to go through and statement analysis lets you know where your money goes, always.

Experience the upgrade

we’ve got your back.

gain complete control over your credit card with CRED Protect. receive category-based analysis of your spends, detect hidden charges, and track your credit limit in real-time.

begin your winning streak.

use your CRED coins to participate in games and raffles to win the most exclusive rewards and pinnacle financial academy on CRED. good luck.

for your eclectic taste.

get access to the CRED Store, a member-exclusive selection of products and experiences at special prices that complement your taste. this is the good life they speak of.

more cash in your pockets.

switch to CRED RentPay and start paying rent with your credit card. this way you get up to 45 days of credit free period, more reward points and a happy landlord.

we’ve got how to apply for a credit card uk back.

gain complete control over your credit card with CRED Protect. receive category-based analysis of your spends, detect hidden charges, and track your credit limit in real-time.

begin your winning streak.

use your CRED coins to participate in games and raffles to win the most exclusive rewards and cashbacks on CRED. good luck.

for your eclectic taste.

get access to the CRED Store, a member-exclusive selection of products and experiences at special prices that complement your taste. this is the good life they speak of.

more cash in your pockets.

switch to CRED RentPay and start paying rent with your credit card. this way you get up to 45 days of credit free period, more reward points and a happy landlord.

security first. and second.

what’s yours remains only yours.

CRED ensures that all your personal data and transactions are encrypted, and secured so what’s yours remains only yours. there’s no room for mistakes because we didn’t leave any.

Become a member

the story of CRED begins with trust.

trust as a virtue has consistently played an essential role in every great human achievement. and consistently, its importance has been overlooked. not just by individuals, but by entire societies. we felt it was time someone gave it the spotlight it deserves. especially for the ones who live by this virtue: the trustworthy.

so we thought of creating a system that rewards its members for doing good and being trustworthy. this way, trust as a virtue becomes something to aspire to, just the way it should be. then we went one step ahead: we built it. we know we are on the right track because here you are.

if you make it to CRED, congratulations and welcome. we have a lot of things planned for you.

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Download the app

about CRED

CRED is a members only credit card bill payment platform that rewards its members for clearing their credit card bills on time. CRED members get access to exclusive rewards and experiences from premier brands upon clearing their credit card bills on CRED.

how how to apply for a credit card uk CRED reward their users?

CRED partners with the best premier and luxury brands to bring you an unmatched experience at the end of every credit card bill payment cycle.

how to earn rewards on CRED?

members can earn rewards in two different ways. CRED coins & gems.

CRED Coin Rewards:

- when you pay your credit card bill on CRED, for every rupee cleared on your how to apply for a credit card uk you earn a CRED coin.

- you can then use earned CRED coins to claim exclusive rewards from different brands.

CRED Gem Rewards:

- for every person that you refer to CRED who makes a bill payment, you earn 10 gems.

what do you get as a CRED Member?

as a CRED member, you instantly make your credit card payment experience hassle-free by unlocking several perks only available to CRED members.

- seamless bill payment experience through modes like upi, net banking and debit cards

- timely credit card bill payment reminders

- automate your credit card bill payments

- expose hidden charges on your credit card with cred protect

- get real-time alerts on duplicate transactions on your credit card

- manage multiple credit cards on a single portal

- keep a realtime check on your credit score

how does one become a member of CRED?

you can apply to be a member by signing up on CRED with your name and valid mobile number(issued within India). CRED is India’s most trustworthy and creditworthy community. This means we are selective about the members we take. For membership an Experian credit score of 750 or above is mandatory.

how to know your credit score?

upon becoming a member, you can check and refresh your credit score with a single click. CRED then proceeds to acquire your updated credit score through a CIBIL score soft inquiry. on CRED, you can access your credit score data anytime without any extra charges. as a member, this helps you keep regular checks on your credit score and re-evaluate your spending patterns to maintain a healthy credit status.

banks supported on CRED

CRED supports credit card bill payment for American Express, Standard Chartered, Citibank, HSBC, HDFC, ICICI, SBI, AXIS, RBL, PNB, and other top Indian banks. We support VISA, MasterCard, American Express & RuPay cards.


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Источник: https://cred.club/

Guide To Finding Your First Credit Card

The next step is to think about the type of credit card that’s right for you.

If you’re a student, a student credit card is probably your best bet. This type of card is designed for those in further education who have yet to build up a sizeable credit history and won’t qualify for mainstream credit cards.

Credit limits are typically lower than standard cards – usually around £500 to £1,500 – and interest rates are higher, so it’s important to make sure you clear your balance each month.

On the other hand, if you’re about to start working life and you don’t have much of a credit history, you may want to consider a credit builder credit card. This type of card is designed to help you improve your credit score over time, and again credit limits are usually lower than standard credit cards and interest rates are higher.

Once you’ve started to build up a credit history and your credit score has increased, you may then be able to apply for more competitive union savings bank com cards.

Some of the options to consider include:

0% purchase credit card – allows you to spread the cost of your spending over several months interest-free. Just remember that interest will kick in once the 0% deal ends.

0% balance transfer credit card – allows you to transfer existing credit card or store card debt across and avoid paying interest for a number of months. There is usually a how to apply for a credit card uk fee to pay (often around 3% of the balance) and interest will be charged after the 0% deal ends.

0% money transfer credit card – allows you to move cash from your credit card into your bank account and you then repay it in the same walmart money card number as a normal credit card balance. You can use the money to pay for whatever you wish, although a popular option is to pay off overdraft or loan debt. Again, there will usually be a transfer fee to pay and you’ll need to clear the balance before the 0% offer ends to avoid paying interest.

Low APR credit card – some credit cards offer a low rate of interest how to apply for a credit card uk life, rather than an interest-free period, so you won’t need to have cleared your debt within a specific timeframe. You can often use these cards for both purchases and balance transfers.

Overseas credit card – this type of card is ideal if you regularly travel abroad as you won’t be charged foreign transaction fees. Some cards also allow you to avoid paying a fee for cash withdrawals, but you will still be charged interest from the moment you receive your money – even if you pay off your balance in full that month.

Rewards credit card – some credit cards offer rewards such as airmiles or loyalty points at certain retailers or supermarkets, while others offer cashback. This type of card is usually best if you can afford to pay off your balance in full each month as they often charge high rates of interest.

Источник: https://www.forbes.com/uk/advisor/credit-cards/getting-your-first-credit-card/

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  • Accessible eligibility requirements:

    You could get a credit how to apply for a credit card uk even if you’re new to credit, have CCJs or other issues with your credit rating.

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No matter where you are, no matter the time of day, it’s easy to keep track of your Luma account online. Managing your Luma credit card online is the easiest, most secure way to keep track of your finances. Once you register online as a Luma credit cardholder, you can:

  • Get email alerts
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  • Update your account quickly and easily
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  • Reduce paperwork with electronic documents
  • Make a balance transfer

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Источник: https://www.luma.co.uk/

Credit cards for existing smile current account customers

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19.9% on purchases and balance transfers for existing smile current account customers.15.8% on purchases and balance transfers for existing smile current account customers.For people 18 and over, earning £10k+See full eligibilityFor people 18 and over, earning £10k+See full eligibility0.25% on your purchases.No on purchases.No annual fee.No annual fee.Minimum credit limit of £200Minimum credit limit of £300We won't charge you interest on purchases if you pay your credit card balance in full and on time.We won't charge you interest on purchases if you pay your credit card balance in full and on time.No nasty surprises. If your application's successful, you'll always get the how to apply for a credit card uk rate advertised.No nasty surprises. If your application's successful, you'll always get the exact rate advertised.If you have a smile current account, you'll be eligible for the above preferential rate. If you close your account, the interest rate will revert to our standard rate of 23.9% If you have a smile current account, you'll be eligible for the above preferential rate. If you close your account, the interest rate will revert to our standard rate of 21.9%

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 1 month (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had anyentered into any or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a and an assessment of your personal circumstances.

To apply (as the main cardholder) you need to be:

  • 18 or over.
  • UK resident.
  • Earning a minimum of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 1 month (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had anyentered into any or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a and an assessment of your personal circumstances.

Tell me moreTell me more
Источник: https://www.smile.co.uk/creditcards
how to apply for a credit card uk
how to apply for a credit card uk

How to apply for a credit card uk -

Choosing and applying for a credit card

This page tells you what to look out for when choosing a credit card including comparing cards. It tells you what happens when you apply for a credit card and what you can do if your application is refused.

Choosing a credit card

There are hundreds of credit cards available, so shop around to get the one that suits you best.

Start by thinking about what you want to use the credit card for. This could be to buy things on line or on holiday, to pay your bills or to spread the cost of a purchase. However you choose to use your card, the key thing is whether you will be paying off what you owe every month or spreading repayments over a period.

If you can pay the balance off in full and on time each month, you can take advantage of the interest free period. In this case, the interest rate may not be so important but you may want to look at cards with other incentives like cash back. Even if you think you will be able to pay the balance in full each time, it’s worth planning what you’ll do if you can’t.

If you want to use the card for borrowing and you won’t be paying off the balance each month, you will usually have to pay interest. In this case, you may want to choose a card with a lower interest rate. Don’t forget to make sure you can afford a regular repayment.

For more information about how to choose credit, see Getting the best credit deal.

If you’ve applied for credit cards before

Applying for too many cards or regularly switching cards can affect your credit rating. Each time you make an application it’s recorded on your credit file. Your file will also show if an application is refused. When new providers check your credit file, it can look like you have lots of cards already or that no one else wants to lend to you.

Find out more about your credit rating and how lenders decide to give you credit.

If you’re struggling to pay what you owe on a credit card, find out how to deal with the debt.

Checklist of what to look out for when choosing a credit card

Here’s a checklist of some things to look at when you choose a credit card:

  • Annual Percentage Rate (APR). This is the cost of borrowing on the card, if you don’t pay the whole balance off each month. You can compare the APR for different cards which will help you to choose the cheapest. You should also compare other things about the cards, for example, fees, charges and incentives
  • minimum repayment. If you don’t pay off the balance each month, you will be asked to repay a minimum amount. This is typically around 3% of the balance due or £5, whichever is higher
  • annual fee. Some cards charge a fee each year for use of the card. The fee is added to the amount due and you will have to pay interest on the fee as well as on your spending, unless you pay it in full
  • charges. Check in the credit agreement what other charges apply to the card. You will usually be charged for going over your credit limit, for using the card abroad and for late payments
  • introductory interest rates. This is where you start off paying a low rate of interest or none at all. The rate then increases after a certain amount of time. For example, it could increase after six months or from a certain date. You’ll often see an introductory rate for balance transfers. If you are comparing cards, look at how long the introductory rate lasts as well as the interest rate it changes to at the end of the introductory period
  • loyalty points or rewards. The points add up depending on the amount you spend and you can then use them to buy goods. Sometimes this is in particular shops. Check how and where the rewards can be used and think about how likely you are to use them
  • cash back. This is where you get money refunded to your card, depending on how much you spend. Check that you are likely to qualify for the cash back. For example, it may only apply if you pay your balance in full each month. A lower interest rate may be a better deal.

For more information about APR, see Getting the best credit deal.

Comparing cards

Key information you should get

When you are given information about a credit card, it should include a summary box with standard key information about the card. This should include the interest free period, interest rate and other charges. This is so that you can easily compare different cards.

You can find more information about the credit card summary box including an explanation of what all the terms mean, on the UK Cards Association's website at: www.theukcardsassociation.org.uk.

Using a comparison website

You can use a comparison website to see what different credit card providers are offering. This can help you choose the right card for you. There are lots of comparison websites and not all credit cards will be shown on all sites. So you may need to look around for a particular product.

You can find details of some comparison websites in Further help and information.

Applying for a credit card

You can apply for a credit card:

  • on line
  • by post
  • by phone
  • at a bank or building society.

You will have to fill in a form and the credit card provider will check your credit record with a credit reference agency, to see if you are credit worthy.

Your credit record shows information about how you handle your finances, such as your bank account and any other borrowing you have. It tells the provider whether you are a good payer and about any court orders you have had in the last six years. You can check your credit record yourself by contacting one of the credit reference agencies. There is a small fee.

For more information about your credit file and how to contact the credit reference agencies, see Being refused credit in Credit.

When you fill in the application form for a credit card, be careful to make sure all the information you put is correct. If you are not sure about how to complete the form, ask the credit card provider for help. You will have to sign the form to say all the information is correct and any false information you give may be seen as fraud.

Signing a credit agreement

If your application is accepted you will be asked to sign a credit agreement. This is a legal document which sets out what you and the provider are agreeing to. The credit agreement includes details such as how much you can borrow, how much and when to repay, the interest rate and charges that can be added, your rights and responsibilities under the agreement and any other conditions that apply to it. Always try to read the small print so you know exactly what you are agreeing to.

Additional card holders

You can apply for additional cardholders to have permission to use your card. But remember, if you do this you are responsible for paying off whatever they spend on your card. It’s a good idea to agree some rules with any additional card holders about when they can use the card and make sure they tell you about their spending. Otherwise, you could go over your credit limit or have more to pay off than you expected.

If your application is refused

Providers don’t have to give you a credit card. Your application may be refused if your credit score is low or you are not a good risk. Ask the provider to tell you which credit reference agency they used if you want to check your credit file.

For more information about how credit card providers decide whether to give you credit, see Being refused credit in Credit.

Although credit card providers can decide not to give you credit, they are not allowed to discriminate against you when they make their decision. This means they aren't allowed to refuse to give you credit just because of your race, sex, disability, religion, sexuality or where you live.

If you think you were discriminated against when you applied for a credit card, get advice from an adviser, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB.

Further help and information

For more information about how to deal with credit cards, see Credit cards.

The Money Advice Service website has lots of useful information about borrowing and managing your money.

You can use a comparison website to see what different credit card providers are offering. Here are some examples of comparison websites:

Источник: https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/credit-cards/choosing-and-applying-for-a-credit-card/

Student visa

You must apply online for a Student visa.

Check which documents you’ll need to apply.

As part of your application, you’ll need to prove your identity. How you do this depends on where you’re from and what type of passport you have.

You’ll either:

  • give your fingerprints and a photograph (biometric information) at a visa application centre
  • use the ‘UK Immigration: ID Check’ app to scan your identity document - you’ll also create or sign into your UK Visas and Immigration (UKVI) account

You’ll be told what you need to do when you apply.

Once you’ve started your application, you can save your form and complete it later.

Start now

How long it takes to get a decision

You’ll usually get a decision within 3 weeks.

You may be able to pay to get a faster decision- you’ll be told if you can when you apply.

You may be able to apply to:

You may be able to pay to get a faster decision - you’ll be told if you can when you apply.

After you apply

You’ll be contacted if your application is complex and will take longer, for example because:

  • your supporting documents need to be verified
  • you need to attend an interview
  • of your personal circumstances (for example if you have a criminal conviction)

If you need to change something in your application after you’ve sent it contact UK Visas and Immigration (UKVI).

You can ask to withdraw your application by contacting UKVI. Your fee will only be refunded if UKVI has not started processing your application.

After you get a decision

If your application is successful, you’ll get either:

Find out what happens after you get your decision.

Print entire guide

Источник: https://www.gov.uk/student-visa/apply

Helping you to get accepted

No impact on your credit rating when checking your eligibility
Instant response before you apply

Check Eligibility for the credit card that can help you stay in control

Start with an easy to manage credit limit from £250 up to £1,200
Representative (variable)

The APR applicable to your account will depend on our assessment of your application. Credit only available to aged 18 or over, resident in the UK and subject to status. Terms and conditions apply.

Check Eligibility

Don’t forget: Failure to make payments on time, or to stay within your credit limit, will result in additional charges applying to your account and could make obtaining credit more expensive or difficult in future.

View Full Product Summary

How the FastCheck eligibility checker works

See your chances of acceptance in seconds, without damaging your credit rating. Learn more about FastCheck.

In the past, the only way to know if you’d be accepted for a credit card was to apply. If unsuccessful, this would leave a mark on your credit report, which could impact your ability to get credit in the future: A classic Catch 22.

Nowadays, an eligibility check allows you to check your likelihood of being accepted before you apply. By matching your information to the lender’s criteria, it calculates your chance of getting a credit card. marbles FastCheck offers a free, easy to use eligibility checker. Simply answer a few questions and you’ll receive an indication of your likelihood of being accepted in seconds. This could be the difference between unintentionally damaging your credit score and completing a successful application.

Unlike applying, which can leave a footprint on your credit report, marbles FastCheck carries out a ‘soft search’. This protects your credit score, and doesn’t leave a footprint that can be seen by lenders. You’ll be able to see this search yourself when you next check your credit file, but nobody else will.

When using an eligibility checker, you’ll be asked for the following information:

  • Your full name, address and date of birth;
  • Your length of residence at your current address;
  • Your employment status and annual salary. Your personal details and data will always be fully protected by marbles. Read through our Terms and Conditions for further information.

Eligibility checking for marbles is carried out by HD Decisions – an Experian business (HD), who are experts in working with lenders to find out the type of customers they normally accept for each credit card. HD regularly check their predicted approval rates against the amount of people actually accepted when they apply.

Eligibility for a credit card will depend on your circumstances. Keep in mind that an eligibility check is only a guide and results may vary once you’ve made a full application.

Check Eligibility

All the tools you need to stay in control

marbles puts you in charge of your account and could help you stay on top of your finances.

  • Manage your account online
  • Choose your repayment date
  • Receive text alerts when you’re approaching your credit limit
  • UK-based customer helpline
Learn More…

See why Aaron loves his marbles card

A few years ago, Aaron went through a bit of a rough patch. Find out how marbles helped him stay in control.

What I love about my marbles card is how it lets me stay in control of my finances.

marbles has the flexibility to fit into your life

Innovative technology

marbles is the advanced credit card that helps you stay in control

FastCheck your eligibility

  • Find out if you could be accepted before you apply.
  • Get an instant response.
  • No impact on your credit rating.

Online account management

  • View transactions and track your balance whenever and wherever you want.
  • Receive eStatements and manage payments.

Manageable credit limit

from £250

up to £1,200

  • Credit limit review after 3 months i.e. you could get an increase on your 4th statement.

Your marbles, your way

  • Receive spending alerts to help you avoid exceeding your credit limit.
  • Choose a monthly repayment date that suits you.
  • Change your payment date up to twice a year.

Use with your Digital Wallet

You can make fast and secure purchases online, through apps or in-store. Add your marbles card to your Digital Wallet to start making purchases instantly with your devices. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay.

Источник: https://www.marbles.com/

Guide To Finding Your First Credit Card

The next step is to think about the type of credit card that’s right for you.

If you’re a student, a student credit card is probably your best bet. This type of card is designed for those in further education who have yet to build up a sizeable credit history and won’t qualify for mainstream credit cards.

Credit limits are typically lower than standard cards – usually around £500 to £1,500 – and interest rates are higher, so it’s important to make sure you clear your balance each month.

On the other hand, if you’re about to start working life and you don’t have much of a credit history, you may want to consider a credit builder credit card. This type of card is designed to help you improve your credit score over time, and again credit limits are usually lower than standard credit cards and interest rates are higher.

Once you’ve started to build up a credit history and your credit score has increased, you may then be able to apply for more competitive credit cards.

Some of the options to consider include:

0% purchase credit card – allows you to spread the cost of your spending over several months interest-free. Just remember that interest will kick in once the 0% deal ends.

0% balance transfer credit card – allows you to transfer existing credit card or store card debt across and avoid paying interest for a number of months. There is usually a transfer fee to pay (often around 3% of the balance) and interest will be charged after the 0% deal ends.

0% money transfer credit card – allows you to move cash from your credit card into your bank account and you then repay it in the same way as a normal credit card balance. You can use the money to pay for whatever you wish, although a popular option is to pay off overdraft or loan debt. Again, there will usually be a transfer fee to pay and you’ll need to clear the balance before the 0% offer ends to avoid paying interest.

Low APR credit card – some credit cards offer a low rate of interest for life, rather than an interest-free period, so you won’t need to have cleared your debt within a specific timeframe. You can often use these cards for both purchases and balance transfers.

Overseas credit card – this type of card is ideal if you regularly travel abroad as you won’t be charged foreign transaction fees. Some cards also allow you to avoid paying a fee for cash withdrawals, but you will still be charged interest from the moment you receive your money – even if you pay off your balance in full that month.

Rewards credit card – some credit cards offer rewards such as airmiles or loyalty points at certain retailers or supermarkets, while others offer cashback. This type of card is usually best if you can afford to pay off your balance in full each month as they often charge high rates of interest.

Источник: https://www.forbes.com/uk/advisor/credit-cards/getting-your-first-credit-card/
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An image of the new Fluid credit card
  • FastCheck your eligibility with no impact on your credit rating by clicking Check Eligibility.

  • 0% interest on balance transfers for 9 months from account opening (4% fee), after which your standard rate will apply. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers. Terms apply.

  • Initial credit limit of £250-£2,500.

Representative Example

Interest rate for purchases

34.94% P.A.

(variable)

With a representative

34.9% APR

(variable)

Assumed credit limit

£1,200

The APR and credit limit applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply.

Check EligibilitySummary Box

Don't forget

Use your card sensibly — if you don’t make repayments on time or stay within your credit limit you will pay extra charges, forfeit the 0% offer and getting credit in the future may be harder and more expensive.

Less is More

Less of your monthly repayments are taken up by interest charges on balances transfered to Fluid in the first nine months.

Which means less worry about the future.

So you have more time to make the most of today.

Check Eligibility

See what our customers are saying

Use with your Digital Wallet

You can make fast and secure purchases online, through apps or in-store. Add your Fluid card to your Digital Wallet to start making purchases instantly with your devices. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay

An image of a phone using Apple Pay

Is Fluid right for you?

Are you looking for a little more time to clear your balance?

Your first nine months are interest free, on any balances that are transferred to Fluid. So, more of your monthly repayments will go to clearing your balance and getting you back on track again.

See if you'll be accepted before you apply

Check your eligibility with FastCheck

  • Quick and easy to fill in your details.

  • Get a response in 60 seconds.

  • No impact on your credit rating.

Save time. Check before you apply.

You need to

  • be over 18;

  • have a permanent UK address;

  • have a current UK bank or building society account;

  • have no bankruptcy proceedings against you;

You are not eligible for a Fluid card if you

  • have been declared bankrupt in the past 18 months;

  • have received a CCJ in the past 12 months;

  • already have a Fluid card;

  • have taken out a marbles, opus or aqua card in the past 12 months;

It’s important that the information you give us is accurate. For an overview of the product fees and charges, take a look at the Summary Box below.

Life is better spent with Fluid

It’s easy to run up a balance on your credit card. And when all your repayments are going towards interest charges and your balance never seems to get any smaller, it can feel like you’re stuck in a rut.


Transfer your balance to Fluid and take a nine-month break from interest on the amount you transfer (fees apply). That'll give you more money to put towards clearing your credit card debt.


Fluid can help you find your feet, get on track and look to the future again.

Representative Example

Interest rate for purchases

34.94%
P.A.

(variable)

With a representative

34.9%
APR

(variable)

Assumed credit limit

£1,200

The APR applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply.

Some common questions people ask us

Fluid credit card was created to give you greater control of your credit card balances by keeping everything in one place through Fluid balance transfers – Our Fluid balance transfer offer gives you the time to plan and manage your payments.

Each transfer must be a minimum of £100. Each time you make a balance transfer you'll be charged a fee. The fee you pay for each balance transfer is a percentage of the amount you transfer. We'll add the amount you transfer and the fee to your card balance and the balance transfer interest rate will be charged from the date the balance is transferred to your Fluid account.

You can transfer more than one balance but only up to 90% of your available Fluid credit card limit. All balance transfers and transfer fees must be within the 90% available credit limit. If the amount you want to transfer exceeds the limit, we may allow you to transfer part of the balance.

For more details on balance transfers, click here.

Once you've activated your card, call us on 0333 414 1098* and tell us you'd like to make a balance transfer.

Give us the details (16 digit card number) of the card/s you want to transfer the balance/s from, and transfer anything from £100 up to 90% of your available Fluid credit card limit (including fees).

It normally takes three hours for a Balance Transfer to be completed, depending on the processing times and type of payment process employed by your bank. Outside of working days or after 3pm on working days, and on Bank Holidays and weekends, your Balance Transfer will be processed on the next working day.

For more details on balance transfers, click here.

* Calls to 0333 numbers are charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

Find the flexibility you need

It’s easy keep track of your Fluid account online, whenever you want, wherever you are. Register for the Online Account Manager and you can:

  • access your statement securely - 24/7;

  • change your statement preferences;

  • manage your free text alerts;

  • make payments;

  • set up and manage Direct Debits;

  • view your balance and transactions;

  • update your personal details;

  • access your online credit health tools;

  • contact us if you have queries regarding your account;

Источник: https://fluid.co.uk/

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