How Clever Check works
- Fill in our simple form and we’ll complete a soft search
- You could get a pre-approved offer
- Choose your card and complete a full application
- We’ll carry information over, so you don’t need to type it again
- Clever Check keeps your details safe and secure, as you’d expect
Your estimated credit limit, up-front
Clever Check shows you how much you’re likely to get as a credit limit, so you can see whether this amount will fit your needs, and help you make a more informed borrowing decision.
To be eligible to make an application, make sure:
- You’re a UK resident, aged 18 or over, with a regular annual income.
- You’re free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
- You’re not unemployed or a student.
- You’ve not been declined for an MBNA credit card within the last 30 days.
We also consider things like:
Your current and previous credit history, including full search history, and affordability of a new credit card based on your income.
What do I need to complete the application?
You’ll need to provide at least 3 years’ UK address history, an email address and phone number, as well as your main bank account number and sort code.
If you want to make any balance or money transfers, you can do this during the application, so make sure you have all the details you need to hand. You can also request transfers later on if you prefer.
Clever Check
To see which cards you’re eligible to apply for and your estimated credit limit up-front, try our eligibility checker, Clever Check.
It takes about 5 mins to complete and it won’t affect your credit score.