Credit Card Comparison & Help Guides

Credit card glossary guides & tools

We have an array of tools, tips, guides and advice on hand to hopefully make your decision process easier. You can find the guides by clicking one of the card category links above and here are links to our Credit Card Glossary and our Credit Card Tools

	Selecting a suitable credit card

Although the credit card market may offer hundreds of cards, you may find that only a handful are right for you. Each card comes with qualifying terms and conditions based on age, income and credit score.

Anyone that falls outside of the cards target market may be automatically rejected so you need to choose your card carefully.

The important point to remember is that your credit profile may not match that required by one card issuer, but may suit another’s criteria and the easiest way to apply for suitable credit cards and reduce rejections is to only apply for one that accept your credit score level.

That’s why it is important to know what your credit score is and where you fit in the scheme of borrowing. Find out more about your credit score or you can estimate your credit score here.
 

Filling in a credit card application form

Filling in a credit card application form is a serious matter. Your responses to the questions are compared with the information on your credit report and form the basis of considering how risky you are as a customer.

Make sure all the mandatory questions are answered. They are generally highlighted or marked with the symbol * , although most online applications will not let you submit the form unless all mandatory questions are answered. Check dates of employment, where you lived and mention all your borrowings.

All these facts are checked against information held by credit reference agencies like Experian and Equifax and failing to tell the truth about age, income or credit history results in automatic rejection so bear this in mind when you are filling in your applications.