How do I know if I’m eligible for a credit card?
It’s important to understand what the lending criteria is for most providers to ensure you’re eligible for a credit card. If you’re self-employed, many providers will be interested in how steady your income is and others will be interested in your credit history – how successful you’ve been in paying off previous debt and whether you’ve missed any payments.
To avoid applying for credit cards that you could be declined for, it’s important to use an eligibility checker. This will perform a soft search on your credit file (which won’t be visible to lenders) and will indicate what cards you’re likely to be accepted for; a soft search won’t impact your credit score.