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One Check - our credit card eligibility checker

You can use One Check to find out which credit cards you’re likely to be approved for and what your estimated credit limit will be before you apply.

It’s really simple and straightforward. All you need to do is to answer a few questions to get an instant decision. And it only takes about 5 minutes.

With One Check, you can:

  • See your estimated credit limit up front.
  • See all the credit cards you’re eligible to apply for.
  • It won’t affect your credit rating.

Find out more about One Check

We want to make choosing a Lloyds Bank credit card even easier. That’s why we’ve created One Check - our simple credit card eligibility checker that doesn’t confuse you with lots of numbers and jargon.

Watch our video to find out how easy it is to use One Check.

Check your eligibility

Why should I check my credit card eligibility with One Check?

Applying for a credit card can have a negative impact on your credit rating if you’re declined.

One Check helps you to protect your credit rating by showing you if you’re likely to be accepted for a credit card before you apply.

You’ll also find out your estimated credit limit.

All you need to do is fill in a simple form with some basic information. You'll also need:

  • Bank sort code and account number
  • Address from the last 3 years
  • Annual income
  • Employment status
  • Spending commitments

If you have this information to hand the form will only take a few minutes to complete.

Once you complete the form, One Check will process your details in the form of a soft search. A soft search provides us with an overview of your financial history, which we use to work out your credit card eligibility. The soft search is quick to complete and won’t affect your credit rating.

  • We’ll show you which Lloyds Bank credit cards you’re eligible to apply for and what credit limit we could offer you.
  • If you then choose to continue with a full credit card application, we’ll carry over all of the information you have already given us.
  • The application process is secure. Our privacy policy sets out how we use and store your information.
  • To keep your details safe, we’ll clear the form after a period of inactivity.

You can apply for a Lloyds Bank credit card if:

  • You are a UK resident, aged 18 or over, with a regular annual income.
  • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • You are not unemployed or a student.
  • You have not been declined for a Lloyds Bank credit card within the last 30 days.

ApplyFind out which credit cards you could apply for  Check your eligibility