When you submit your application, our team will carry out some initial checks. This includes looking at salary and spending details to see if repayments are affordable. We’ll conduct this as a ‘soft’ search, which means that there will be no record on your credit file if your application is not approved. 


If you pass these checks, and you have not had a loan from us in the past, we will then run an online credit check. This allows us to see if you have had difficulties in the past, and whether you have other commitments we need to be aware of. 


If you are approved for a card, we will regularly update credit reference agencies with information about your outstanding balance and repayments. Staying up to date with repayments is likely to have a positive impact on your credit file.


Because we make it easy to repay, this card may be a good way to build your credit score. On the other hand, missing or falling behind with payments will hurt your score, and may make it harder to get credit from us or other providers in future.