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How could an eligibility check help you?

How could an eligibility check help you?

It keeps your options open
Unlike most other lenders, MBNA will tell you what product you’re likely to be accepted for before you complete a full application and go through a full credit search.

Wide product range
We might display an alternative credit card for you to consider.

Saves you time
Only fill in the full application form once you know you’re eligible to apply.1

More about our eligibility check

See what cards you could be eligible for

View the range

 

Limit the number of searches on your credit record

Every time you apply for credit it leaves an imprint on your credit record known as a ‘search’. Too many searches can affect your credit rating and lower your credit score, meaning you’re less likely to be approved in future.

In the past, the only way to see if you’d be approved for a credit card or loan was to make a full application, generating another search.

Now, on selected MBNA credit cards, you can complete a simple eligibility check first, which won't affect your credit rating. We’ll only complete a full search if you go on to submit a full credit card application.

Learn more about credit

 

How does it work?

You’ll need to give us:

  • Your name, address and date of birth.
  • Whether you own your home, are a tenant or live with your parents.
  • How much your mortgage or rent payment is.
  • Your employment situation and income.

This is so we can calculate your score and assess your eligibility for the card you’ve chosen. Our eligibility check terms apply. If you’re not eligible to apply for that particular product, we might be able to offer you an alternative to consider.

Like the rest of our site, the eligibility check is safe and secure. Your information is protected by our privacy policy.

 

No affect on your credit file

Searches made by the eligibility check only leave what’s called a ‘quotation search’ on your credit file. Lenders looking at your file won’t take them into account when making a lending decision.

If you obtain a copy of your credit file for yourself, the quotation searches will show up in the ‘Other searches’ section.

You can get a copy of your credit file from:

www.experian.co.uk
www.equifax.co.uk
www.callcredit.co.uk

 

Improving your credit file

The simplest way to improve your credit file is to pay your credit facilities, including cards, loans and mortgage, on time every month. Make sure you keep within agreed credit limits too. Register on the electoral roll where you live as this will increase your credit score and make it easier to prove your address history.

Potential lenders will check all these when you make an application with them. They’ll also look at how much credit you owe compared to the income you earn.

Any adverse information held against you, such as county court judgements (CCJs) or bankruptcies, will show up on your credit report and could make it harder to obtain credit.

Making Life Easier Commercial: Eligibility Checker

If you like to get a good view there's a quick and easy way with our credit card pre-application check. 
You can find out within minutes if you're eligible before applying for an MBNA credit card without affecting your credit rating. Online Eligibility Search.

Because whatever the ifs are in your life, we could help.
MBNA. Making life easier.

1 Even if the result of the eligibility check indicates that you are likely to be accepted, you may still be declined after a full credit card application and credit application search have been completed.

Any credit card products displayed are not an offer of credit and are not offered by recommendation or on advice as to the suitability of that product or a guarantee that an application for that product will be successful. If you choose to proceed with an application, it is at your own discretion.