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Our credit card eligibility checker

You can use our credit card eligibility checker to find out which credit cards you’re likely to be approved for and what your estimated credit limit will be before you apply for a credit card.

By completing our credit card eligibility checker, you’ll be able to:

  • See your estimated credit limit up front
    Find out what you could borrow before you start your application.
  • See all the credit cards you’re eligible to apply for
    We’ll only show you the cards you’re likely to be accepted for.
  • It’s quick and won’t affect your credit record
    Our eligibility check doesn’t affect your credit rating and you only have to fill your details in once.

Why should I check my credit card eligibility?

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

Our eligibility checker 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, interest rate and duration of any offers.

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, our eligibility checker 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.

  • Once we have processed your details, we’ll show you which Lloyds Bank credit cards you’re eligible to apply for and what credit limit we could offer you.
  • You can then continue with a full credit card application. We’ll carry over all of the information you have already given us – so you only have to fill in your details once.
  • 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 Lloyd’s 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.
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Check your credit card eligibility now