Fill in your details to check if you'll be accepted

Won't affect your credit rating

Quick and easy

QuickCheck is easy to use and provides a fast, no risk answer to the question, "Will I be approved for a credit card?" Try QuickCheck to check your eligibility now.

Won't affect your credit rating

We won't affect your credit rating

We think it's responsible to tell you whether you will be approved for a card before you apply. By working with credit reference agencies we do a pre-application check of your credit rating using QuickCheck.

You'll be able to see the search on your file, but it won't show up to other organisations. This means there is no impact to your credit rating.

100% certainty before you apply

Apply with confidence

If you decide to apply for a card you can apply with confidence knowing you will be accepted, at which point we do a visible update to the credit reference agencies to let them know you asked us for credit.

We stand behind our answer and confirm that we've carried out all the appropriate credit checks we need. However, there is a small chance that we may be unable to open your account if we identify certain information on fraud prevention databases or if we are not able to verify your identity.

About you

Title

First name

Last name

Email address

Underaged

Are you 18 or over?

You must be 18 or older to have credit in the UK.

Under 18

Date of birth (dd/mm/yyyy)

Day Month Year

Work & finances

Employment status

Occupation

Yearly income

.00 per year

Your total yearly income before taxes (include your job, benefits, investments, pension)

Monthly income (calculated from your yearly income)

I am interested in taking an immediate cash advance

Yes

Where you live

Residential status

Years at your address

Months at your address

House/flat name or number

Postcode

Find address

Or enter address manually

Just so you know

In order to check your eligibility, we will supply your personal information to credit reference agencies (CRAs). By working with the CRAs we do a pre-application check of your credit file using QuickCheck. You'll be able to see the search on your file but it won't show up to other organisations. This means there is no impact to your credit rating.
Details of how your information will be used and your data protection rights can be found in our Privacy Policy opens in a new tab
When you 'Check now' we'll use your information to find Capital One products or services for you, along with sending you an email and/or SMS of your results.

Not becoming a customer straight away?

No worries. We'll let you know when you're ready for our products by reviewing your credit file in the future, without affecting your credit file. Untick the box if you don't want us to do this.

We may send you other suitable products, services or relevant information by post, email or SMS. Don't fancy this? Just untick the box.

Before doing a QuickCheck please read the terms and conditions opens in a popup window and Privacy Policy opens in a new tab

Capital One QuickCheck Terms and Conditions

1. About us

Capital One (Europe) plc is a public limited company registered in England and Wales under company number 3879023. In these terms and conditions, "we", "us" and "our" refers to Capital One (Europe) plc. Our registered office is at Trent House, Station Street, Nottingham, NG2 3HX. We are authorised and regulated by the Financial Conduct Authority with reference number 204440.

2. QuickCheck quotation search service

We provide the QuickCheck quotation service. By using QuickCheck, you confirm that you accept these terms. If you do not agree to these terms, you must not use QuickCheck. We recommend that you print a copy of these terms for future reference.

The QuickCheck quotation service includes:

A pre-application check of your credit record and the information you provide, which we use with our own credit scoring methods to work out and tell you if you are eligible for one of our credit products or not;
Confirmation of your eligibility and, where eligible, our credit product suggestions, including by email and/or SMS using the information you provide; and
If you do not successfully apply for one of our credit products:
- where this part of the service is offered with our QuickCheck quotation service, we'll do further pre-application checks and let you know when you're eligible for one of our credit products (unless you tell us you do not want us to do this); and
- we'll send you marketing about our other suitable products, services or relevant information by post, email or SMS (unless you tell us you do not want to receive this).

When we make a pre-application check of your credit record and the information you provide, the Credit Reference Agencies will make a record of our searches that will leave a "footprint" on your credit file. You'll be able to see the search on your file, but it won't show up to other organisations. This means there is no impact to your credit rating.

Any credit product suggestion(s) we make based on your eligibility is not an offer of credit. While you may apply for a credit product we suggest, that application is subject to fraud, identity and other checks.

3. Our Privacy and Cookies Policies

These terms refer to the following additional terms, which also apply to your use of QuickCheck:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us.
Our Cookie Policy, which sets out information about the cookies on our site.

4. Duration of QuickCheck service

The QuickCheck services will continue unless one of the situations set out below or contrary to these terms occurs:

You become a customer;
We discover your information is no longer up to date;
You tell us you no longer wish to use/receive the QuickCheck service; or
We no longer store your data (three years after you use QuickCheck).

5. Use of QuickCheck services

You must be over the age of 18 and live in the UK to use QuickCheck.

QuickCheck is for your personal use only. You must not use it at any time or in any circumstances for individuals other than yourself.

Use of QuickCheck is made available free of charge.

We do not guarantee that the QuickCheck service will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the QuickCheck service for business and operational reasons.

6. Intellectual Property

All copyright, trademarks and all other intellectual property rights in QuickCheck are owned by us.

You must not use any part of the content on our site for commercial purposes.

You must not modify, adapt, copy, download or post such content or information from the QuickCheck service in any other website or forum.

7. Links to QuickCheck

If you wish to link to the QuickCheck service, please contact us.

8. Limitation of liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We will not be responsible for loss or damage unless it is foreseeable, i.e. it results because of our negligence or a breach of these terms.

We are not responsible for viruses or other malicious or technologically harmful material and any content you download from us is at your own risk. You are responsible for configuring your information technology and you should use your own virus protection software.

Our liability for any loss or damage is limited to £100.

9. Contact us

You can contact us using the different ways set out at https://www.capitalone.co.uk/support/contact-us.jsf.

If you want to make a complaint, you can write to: Capital One (Europe) plc, PO Box 5281, Nottingham, NG2 3FA. Alternatively, you can find details of how to do it by visiting www.capitalone.co.uk. If your complaint is to do with a Credit Reference Agency or the information we have obtained from them, we may direct it to them when it is appropriate to do so.

If you're unhappy with how we have dealt with your complaint, you also have the right to complain to the Financial Ombudsman Service by writing to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. You can also contact them by telephone on 0800 023 4567 or email at complaint.info@financial-ombudsman.org.uk. You can find further information by visiting www.financial-ombudsman.org.uk opens in a new tab .

You also have the option of using the online dispute resolution (ODR) platform set up by the European Commission to make a complaint. The ODR platform will direct your complaint to the Financial Ombudsman Service, which may mean it takes longer to resolve than if you complain directly to the Financial Ombudsman Service. You can find more information and access the ODR platform at ec.europa.eu/odr opens in a new tab .

10. General

We shall not be liable for any delay or failure to provide the services or perform any obligation under these terms if the delay or failure is caused by circumstances beyond our reasonable control.

These terms do not give any rights to anyone who is not a party to them. You may not assign your rights or obligations in relation to these terms.

If any provision in these terms becomes invalid or unenforceable the validity or enforceability of the other provisions will not be affected.

If there is any delay by us in enforcing any of these terms, this will not be treated as a waiver by us of that or any other provision of these terms.

Communications we provide to you by us by email or posted on our site will constitute legal service in writing and will be deemed received by you the day after it is sent or posted.

This agreement contains the whole agreement between you and us.

These terms and our site are governed by English law. You and we both agree to submit to the exclusive jurisdiction of the English and Welsh courts, unless you're a resident of Northern Ireland where you can also bring proceedings in Northern Ireland, and if you're a resident of Scotland you can also bring proceedings in Scotland.

For those who like the detail

Capital One's privacy policy applies to anyone who visits our websites. It explains how we may collect information from you online when you visit a Capital One website and how we may protect and use that information. Therefore, please read this privacy policy carefully before using the websites.

In this Privacy Policy, "we", "us", "our" and "Capital One" means Capital One (Europe) plc and "you" and "your" means the individual who is using the websites. Information that you provide to Capital One when you apply for or obtain a credit card from us is also governed by the "Use of your information" section at clause 1 of your credit card agreement, which is also set out in our online application form. If you are an applicant or customer, please refer to the application form or credit card agreement for additional information. In the event of a conflict between the terms of this Privacy Policy and your credit card agreement, your credit card agreement shall take precedence.

Collecting information

Information you provide

Capital One will collect information that you provide when completing online forms on its websites.

Information gathered from your use of our websites

Capital One may collect the following information about you when you browse our websites or use our online services:

We may collect technical information about your browser and the pages that you visit. For example we may collect your internet protocol (IP) address, which is a numerical identifier assigned to a computer or device that connects to the internet.

We may use cookies and other online tracking devices to maintain your user session and track browsing activities conducted with your computer. For further information, please read the Capital One Cookie Policy.

Information we collect from Credit Reference Agencies on your behalf and other sources

Capital One will collect information from one or more Credit Reference Agencies when you make a quotation search using our quotation search service and/or when you register to use our services to obtain and provide to you your credit report and credit score.

We may collect information from other sources if you use any of the other websites we operate or the other services we provide. We are working closely with third parties who may provide information about you to us (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers and Credit Reference Agencies).

How we use information

On our websites

We may use cookies, web beacons or similar devices to help us understand which parts of our site you find most useful and to optimise your browsing experience. For full details, check our cookie policy.

If you choose, you can set your browser to inform you when cookies are sent or you may choose not to accept cookies. If you haven't done this, our system will issue cookies when you visit the site.

Information you give us or we collect about you

Information you provide to us or collected from Credit Reference Agencies/third parties on your behalf as part of our services is used to:

administer your account and relationship with us including communications using the contact information you provide to us;
verify your identity and to prevent fraud and money laundering;
undertake analysis and profiling of your information;
provide you with information, products and services that you request from us or that we consider may be of interest to you or that are suited to you (including, but not limited to, credit cards);
tell you about changes to our sites and/or services;
carry out research, run statistical/market/product analysis;
administer our sites and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
improve our sites to ensure that content is presented in the most effective manner for you and for your device;
allow you to participate in interactive features of our services, when you choose to do so;
assist in our efforts to keep our sites safe and secure;
measure or understand the effectiveness of advertising we provide to you and others, and to deliver relevant advertising to you.

We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).

Sharing information

We may share information that we collect online or as part of any application with companies within the Capital One Group which means us, our ultimate holding company and any company which is a subsidiary of our ultimate holding company; and with companies that provide services to us, including sub-contractors, agents or other companies including those based outside the European Economic Area (EEA).

We may also share this information with third parties, in a secure manner, for the purposes of targeting or exclusion from our marketing activity, or to help us contact you with regards to your account. Your data will not be shared or sold to third parties for use in their marketing activities or email lists.

We may partner with third parties to deliver advertisements and surveys and to monitor activities on our own websites and other websites. You'll find full details in our cookie policy.

We may use services provided by and share data with a third party for fraud prevention and authentication purposes. The third party service helps us decide whether to accept transactions from personal computers, mobile phones, or other devices by checking whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. The third-party service also helps verify your identity by registering and remembering devices associated with your account.

We may share your information with one or more Credit Reference Agencies in order to provide our services to you which may include carrying out a quotation search and/or obtaining your credit score and credit report. The Credit Reference Agencies will make a record of our searches that will leave a "footprint" on your credit file. You'll be able to see the search on your file but it won't show up to other organisations. This means there is no impact to your credit rating.

Credit Reference Agencies will provide us with credit information such as previous applications and the conduct of accounts in your name, public information such as county court judgments and bankruptcies, electoral register information and fraud prevention information. Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more people with whom you have a financial association. For any searches we make where we assess your suitability for credit you may be treated as linked to them and you will be assessed with reference to their records.

Your information will be checked with Fraud Prevention Agencies and if you have given false or inaccurate information and we suspect fraud we will record this. Law enforcement agencies may access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies and we may also pass this information to organisations involved in fraud prevention to protect us, them and our respective customers from theft and fraud.

We and other organisations, including Credit Reference Agencies and Fraud Prevention Agencies, may use and search the records of Credit Reference Agencies and Fraud Prevention Agencies to prevent fraud and money laundering for example when:

checking details on applications for credit and credit related or other facilities;
managing credit and credit related accounts or facilities;
recovering debt;
checking details on proposals and claims for all types of insurance; and
checking details of job applicants and employees.

Fraud Prevention Agency records will also be shared with other organisations to manage insurance policies and help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household. The Credit Reference and Fraud Prevention Agencies will also use the records for statistical analysis about credit and fraud.

Capital One online services

Capital One offers its customers online account services. When you register for those services, we will provide you with specific terms and conditions that may supplement the information in this notice. If you set your browser to reject cookies, you may not be able to use Capital One's online account services.

Links

Our websites may include links to third-party websites. These third parties are not subject to this Privacy Policy. Whenever you visit a third-party website, you should review its privacy notice. We do not accept any responsibility for any such third party websites, including without limitation for their accuracy, security, the products or services which they offer or any information which is collected through them.

Data security

At Capital One, we make your safety and security a top priority and are committed to protecting your personal and financial information. If we collect personal information from you, we will protect that information with controls based upon internationally recognised security standards, regulations, and industry-based best practices.

Capital One maintains customer authentication procedures to protect your personal information and account from identity theft. These procedures are for your protection. If you suspect a website is "spoofing" or pretending to be a Capital One website do not enter personal information but instead contact us through the details set out in the contact us page or by emailing abuse@capitalone.com.

If you receive an email that claims to be from us but you are not sure, or if you think it is suspicious, do not click on any of the links in the e-mail. Instead forward it to us at abuse@capitalone.com then delete it.

For more information about our commitment to security and for tips about what you can do to help guard against fraud and identity theft, visit our Security Centre.

Your rights

Accessing your personal information

You have a right under the Data Protection Act 1998 upon written request and payment of a fee, to have a copy of the personal data we hold about you. If you would like to receive a copy of the personal data we hold about you please write to us at the address shown in contact us.

You may, at any time, contact the Credit Reference Agencies in order to check the information they hold about you, receive a copy of your information and to correct any incorrect information held about you. You can contact the Credit Reference Agencies as follows:

TransUnion, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7579 or visit www.transunion.co.uk/ opens in a new tab
Equifax, Credit File Advice Centre, PO Box 10036, Leicester, LE3 4FS or call 0333 321 4043 or 0800 014 2955 or visit www.equifax.co.uk opens in a new tab
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0344 481 8000 or visit www.experian.co.uk opens in a new tab

Opting out of receiving marketing material

You have a right under the Data Protection Act 1998 to ask us not to process your personal data or pass it to third parties for marketing purposes. If you do not want to receive marketing material from us or third parties please write to us at the address shown in contact us.

Changes to our Privacy Policy

Any changes we make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our Privacy Policy. Your continued use of our website(s) will confirm your acceptance of the amended terms.

Contact us

Please send any questions or requests you have using the contact information set out on our contact us page.

Mobile App Privacy Policy

Privacy Policy

Capital One's Privacy Policy applies to anyone who uses our App. It explains how we may collect information from you when you use the App and how we may protect and use that information. Therefore, please read this Privacy Policy carefully before using the App.

In this Privacy Policy, "we", "us", "our" and "Capital One" means Capital One (Europe) plc and "you" and "your" means the individual who has registered for the App. Information that you provide to Capital One when you apply for or obtain a credit card from us is also governed by the "Use of your information" section at clause 1 of your credit card agreement, which is also set out in our online application form. If you are an applicant or customer, please refer to the application form or credit card agreement for additional information. In the event of a conflict between the terms of this Privacy Policy and your credit card agreement, your credit card agreement shall take precedence.

Collecting Information

Information you provide

You may give us information about you by filling in forms on the App, or by corresponding with us (for example, by email or chat). This includes information you provide when you register to use the App, download or register the App, fill out a survey and/or feedback form and when you report a problem with the App. The information you give may include your name, address, email address and phone number, the Device's phone number, device information, age, username, passcode and other registration information, financial and credit card information ("Submitted Information").

Information we collect about you and your device

Each time you use the App we may automatically collect the following information:

Technical information, including the type of mobile device you use, a unique device identifier (for example, your Device's IMEI number, the MAC address of the Device's wireless network interface, or the mobile phone number used by the Device), mobile network information, your mobile operating system, operating system version, the type of mobile browser you use, time zone setting, Device nickname, Device Name, Device serial number ("Device Information")
Details of your use of the App including, but not limited to, IP Address, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access ("Log Information").

Unique Identifier

At point of registration we create a Unique Identifier linking you to your device and your account to enable us to identify you for log-in and App activity. This identifier is stored on your device.

How we use information

We use information held about you in the following ways:

Submitted Information: Used for validation and authentication.
Device information: Used to create a Unique Identifier linking device/registration and account.
Unique Identifier: User ID as created at registration and stored on device, used at future log in.

We also use the above information to develop and improve our App and services and make them easier to use.

Disclosure of your information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the Companies Act 2006.

We may disclose your personal information to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
If we or substantially all of our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.
If we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request.
In order to:
- enforce or apply the Terms of Use, and other agreements or to investigate potential breaches; or
- protect the rights, property or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

We may also disclose information held about you to third parties running surveys and/or feedback forms on our behalf. We will ensure that these third parties look after your information in line with our Privacy Policy.

Capital One Online Services

Capital One offers its customers mobile App services. When you register for our App, we will provide you with specific terms of use that may supplement the information in this notice.

We may disclose information held about you to third parties who are based outside the UK and outside the European Economic Area (EEA).

Data Security

Capital One maintains customer authentication procedures to protect your personal information and account from identity theft. These procedures are for your protection. If you suspect an App is 'spoofing' or pretending to be a Capital One App do not enter personal information but instead contact us through the details set out in the contact us page or by emailing abuse@capitalone.com.

For more information about our commitment to security and for tips about what you can do to help guard against fraud and identity theft, visit our Security Centre via our website.

Your rights

Accessing your personal information

Opting out of receiving Marketing Material

Changes to privacy policy

Any changes we make to this Privacy Policy in the future will be posted on this page.

Please check back frequently to see any updates or changes to this Privacy Policy.

Your continued use of the App will confirm your acceptance to the amended terms.

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© 2019 Capital One (Europe) plc, Trent House, Station Street, Nottingham, NG2 3HX. Capital One® is a registered trademark of Capital One. Mastercard® is a registered trademark of Mastercard International Incorporated.