Ready to join?聽
Here鈥檚 how
Head over to your app store, hit download, and create your account.
If you choose credit,鈥▂ou鈥檒l need to do a quick eligibility check.
Take your pick between our Free and Full plans
Add your digital card to your wallet and start spending
The difference between soft and hard checks
We鈥檒l always tell you exactly when each check happens, so there are no surprises.
Build your credit score with us
Missing payments can impact things too, so it's important to make payments on time and only borrow what you can afford to repay.
Pick a card. Any card.
Debit Cards
Credit Cards
鈥淕oodbye Avios, Hello 糖心视频鈥
Ask us anything
It鈥檚 just a few quick questions about you, like your age and how much you earn, to help understand if you鈥檙e likely to be approved for 糖心视频.
We鈥檒l only run a 鈥榮oft check鈥 on your credit report at this point, which doesn鈥檛 impact your credit score at all, and won鈥檛 be visible to other lenders.
If you鈥檙e eligible and decide to finalise your application, we鈥檒l then perform a 鈥榟ard check鈥, which will show on your credit report, but is typical for all credit card applications.
It鈥檚 worth knowing that, having multiple 鈥榟ard checks鈥 on your report within a short space of time can affect your credit score.
Getting approved isn鈥檛 just about having a good credit score (though that certainly helps). When we review your application, we look at a few key things to make sure we鈥檙e the right fit for you.
Here鈥檚 what we take into account:
- How much credit you already have: This includes things like other cards, loans, or big financial commitments.
- Your income and work: For example, how stable your current job is.
- Your living situation: How long you鈥檝e been at your current address and whether it shows financial stability.
- Your payment history: Have you kept up with other credit repayments on time?
- Your financial experience: Things like how long you鈥檝e had a current account in your name.
Most of the time, the information you provide during your eligibility check is enough for us to make a decision. If we need a little more detail, we鈥檒l ask for it鈥攁nd we鈥檒l make the process as smooth as possible.
Because we鈥檙e a fully regulated company, we have to verify all of our members鈥 identities. So, to help us do that, we ask you to send over some snaps of you and your ID, which is a whole lot easier using a mobile app, and means we can make a decision much much quicker.
Once we鈥檝e fully verified your finances and ID, you鈥檒l be able to choose either the full or free membership in the app.