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Applying for a credit card? Read this first

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August 2016Capital One Essentials

Did you know that being declined for credit can affect your credit score?

When you apply for credit, like a loan or credit card, the application leaves a mark on your credit report. Other lenders can see this mark, and it can stay with you for up to 2 years.

Having too many of these marks can make you look like you're more of a risk to lenders, and so could reduce your chances of being accepted for credit in future.

This old way of applying for credit is a bit of a gamble as you can’t be sure you'll be accepted until you apply.

With credit eligibility checkers like QuickCheck, that's all changed

Some lenders now offer free eligibility checkers that let you know your chances of being accepted before you apply.

Capital One's QuickCheck gives you a definite yes or no - so you can be 100% certain if you'll be accepted before you apply – without affecting your credit score.

Our 3 simple steps are quick and easy to follow. Just add details about yourself, your work and where you live, and we’ll give you a definite answer in 60 seconds.

There's no need to gamble with your credit score again. Join the 4 million people we've already accepted for our Classic Card and try QuickCheck today.

Check if you'll be accepted

Try Capital One QuickCheck today to know if you'll be accepted, so you can apply with confidence.