Credit card eligibility checker gives you a quick and easy way to find out if you qualify for certain credit cards. Whether you’re new to credit or have a poor credit history, finding out if you qualify for a particular card is an important step in your journey towards financial independence.

Why was my application not approved?

Your eligibility depends on your vanquis card credit, credit history and income. A high credit score and a positive credit history will help you get approved for most credit cards.

A good credit history means that you’re less of a risk to lenders, which can boost your chances of getting a favorable interest rate and other benefits. However, a low credit score and bad credit history mean that you’re more likely to receive a denial from any card issuer.

The most common type of credit card is unsecured, meaning you must pay the balance in full each month. A secured card is similar but uses your own assets as collateral for the credit line.

How to pre-qualify for a credit card

Most major card issuers offer pre-qualification links that allow you to quickly check your qualifications for specific cards before applying formally. These online forms typically ask for your name, address and the last four digits of your Social Security number.

Does pre-qualification hurt my credit?

A credit card issuer will usually place a soft inquiry on your credit report when they run a “pre-qualification” or pre-approval check. This “soft” inquiry doesn’t affect your credit score and is generally the first step in the process before a lender runs the so-called “hard” check that can knock points off your score.