Check if you’re eligible with Clever Check

See which cards you’re eligible to apply for.

Get your estimated credit limit up-front.

Quick and has no impact on your credit score.

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

Watch our video if you’d like to know more

  • 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.

Start Clever Check now


Smartphone with MBNA My Account on screen

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.

Good to know

Secure application process - our privacy policy sets out how we use and store your information.

Keeping you safe - we’ll clear your details if you’re inactive for a while.

Your new card - you’ll receive it in the post within 7 days.

Your online account - set up your Online Card Services profile during or after the application.

Clever check video
  • Hey guys.

    So today I wanna talk about credit card.

    (sighs) Let's try that again.

    Credit card eligibility.

    Now I'm not the only one who finds this topic tricky, so I wanna tell you about a great tool from MBNA.

    It's called Clever Check.

    You'll find lots of information about Clever Check on the MBNA website, but I wanna give you the lowdown here.

    Now, once you've read through everything and you're happy to go ahead, you'll just need to provide a few details about yourself… name, address, the usual stuff.

    Now the form is super simple and easy to-- (cat meowing)

    Now the form is super simple and easy to complete in just a few minutes, and if you decide to complete the full application, all that information gets carried forward so you won't have to type it in again.

    Now when you…when you're done, hit check eligibility and there you go.

    A list of the MBNA credit cards you're eligible to apply for.

    But check this out.

    This is the really clever stuff.

    At this stage, you'll see the exact offers you're eligible to apply for.

    You'll see an estimated credit limit too, so you'll know upfront what MBNA may offer you.


    (clears throat)

    Now I do have to point out that your application still has to pass a full credit search, but the key thing is, what you see is what you get, if your application is successful.

    And my favourite bit?

    You get to find out all that clever stuff before you complete a full application; without affecting your credit rating.

    You've got to admit, that's clever, right?

    So there you have it.

    Clever Check at

    Helping you get a little bit cleverer about credit card eligibility. (cat meowing).

More about 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.

Start Clever Check now