Free credit

Fair
721 - 880 remember, your credit rating isnвђ™t set it stone вђ“ itвђ™s a living, breathing thing that can change with certain kinds of financial behaviour.

My list of forex bonuses

Your Experian Free Credit Score, free credit.

So, it can go up or down over time.

Your experian free credit score

Our score is the ukвђ™s most trusted credit score вђ“ itвђ™s made from the data used in most successful credit applications, so it gives you a good idea of how lenders are likely to view you

What's a credit score?

A credit score, also known as a credit rating, is a number that reflects the likelihood of you paying credit back. Lenders like banks and credit card companies will look at your credit history when they calculate your credit score, which will show them the level of risk in lending to you. The higher your credit score, the better your chances of being accepted for credit, at the best rates.

Your credit score influences your chances of getting:

Credit cards, loans and mortgages

Car financing

Gas & electricity monthly payments

Mobile phone contracts

Insurance monthly payments

Property rentals

Can you check your credit score for free?

You can get your experian credit score without paying a penny, by signing up for a free experian account
your free score will be updated every 30 days if you log in.

How does a credit score work?

Your credit score is calculated whenever you apply for credit, such as a loan, credit card, mortgage, or even a mobile phone contract. How your score is worked out depends on the company youвђ™re applying to вђ“ different companies have different methods, so your credit rating may vary between them.

Lenders look at your borrowing history and how you typically repay money youвђ™ve borrowed. Usually, theyвђ™ll take into account:

Information from your credit report

Your application details

Existing data
(e.G. If youвђ™re an existing customer)

Howвђ™s your experian credit score calculated?

The experian free credit score runs from 0-999. Itвђ™s based on information in your experian credit report вђ“ such as how often you apply for credit, how much you owe, and whether you make payments on time.

Youвђ™ll lose points for having records on your report that may look negative to companies, such as late payments and defaults. Youвђ™ll gain points for things that companies usually view positively, such as consistently making payments on time and being on the electoral roll.

Whatвђ™s good or average credit score?

Thereвђ™s no вђ˜magicвђ™ number that will guarantee you approval. And, because different companies may look for different things in their potential customers, you may be refused credit by one and accepted by another. We consider a вђ˜goodвђ™ score to be between 881 and 960, with вђ˜fairвђ™ or average between 721 and 880.

Your free experian credit score can be a useful guide and gives you an idea of how companies may see you, so you can make more informed choices when it comes to credit.

What does your experian credit score mean for you?

Excellent
961 - 999

You should get the best credit cards, loans and mortgages (but there are no guarantees).

Good
881 - 960

You should get most credit cards, loans and mortgages but the very best deals may reject you.

Fair
721 - 880

You might get OK interest rates but your credit limits may not be very high.

Poor
561 - 720

You might be accepted for credit cards, loans and mortgages but they may have higher interest rates.

Very poor
0 - 560

Youвђ™re more likely to be rejected for most credit cards, loans and mortgages that are available.

Remember, your credit rating isnвђ™t set it stone вђ“ itвђ™s a living, breathing thing that can change with certain kinds of financial behaviour. So, it can go up or down over time.

Experian services

About experian

Legal

† experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison services shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Experian comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

†† eligibility ratings available for credit cards and personal loans only.

All free and paid for experian consumer services are provided by experian ltd (registered number 653331.) experian ltd is authorised and regulated by the financial conduct authority (firm reference number 738097). Experian ltd is registered in england and wales with registered office at the sir john peace building, experian way, NG2 business park, nottingham, NG80 1ZZ. The web monitoring feature and its alerts within creditexpert is not financial conduct authority regulated activity.

Get a better credit score

97% of customers recommend us to improve your credit score

No harm to your credit rating

Financial conduct authority authorised & regulated

Improve your credit score

Full credit report

We make it easy to understand all the info in your credit file, so you know where you stand.

Six yearsвђ™ analysis

We tell you why you got your credit score, what's affecting it, and how to improve.

Easy error correction

If banks and lenders have the wrong info, it'll be wrong in your credit file. So, we've made it easy to fix any errors.

91% of customers

Better understand their credit score after seeing their totallymoney analysis*

Based on a survey of 958 totallymoney credit report customers

Stay one step ahead

Live credit score

We show your most recent credit score happenings, so you can track changes in real time.

Credit score timeline

See your credit score history and watch how you're improving.

Personalised updates

We always let you know when your score changes and why.

Вђњ
Totallymoney keep me informed on a regular basis about whatвђ™s happening
вђќ

Get your best deal

Best credit matches

We know how to find the best offers for you, based on what's in your credit file and what lenders are looking for.

Pre-approved offers

Rejection harms your credit rating. That's why we show you the lenders that can give you a YES before you apply.

Guaranteed rates

Often, you don't get the rate advertised. That's why we challenge lenders across the UK to stick to the rate shown.

Вђњ
Good info вђ” helps you get the best deals on credit cards
вђќ

Barry

See your credit score work for you

Get your credit check now, for free.

We're on a mission to improve the UK's credit score and help people move on up to a better future.

Services

Company

Guidance

Legal

Totallymoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

Totallymoney is owned and operated by totallymoney limited which is registered in england and wales (company registration number 06205695). Totallymoney limited is an appointed representative of TM connect limited, which is registered in england and wales (company registration number 06967012) and authorised and regulated by the financial conduct authority in respect of consumer credit related activities (FCA FRN: 511936). Trading address and registered office: chapter house, 16 brunswick place, london N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

Financial conduct authority authorised and regulated

Interest free credit

Time to get the dream space you’ve always envisioned in your home - perhaps a kitchen with granite worktops, or a bedroom with sliding wardrobe doors. Bring your ideas to life with interest free credit on kitchen, bathroom and bedroom projects.

Interest free credit is a great option if you'd like to spread the cost of your project over affordable monthly payments, with no interest added. You can finance everything from the cabinets and appliances, to the tiles, grout and paint, and even the curtains, lighting and accessories.

If you're starting a kitchen, bathroom or bedroom project, book a free planning appointment and our team of experts will help you plan your project at no extra cost.

Deposit - no deposit required

Maximum credit value - £25,000

Representative - 0% APR

Spend £500 for 6 months; £1,000 for 1 year; £2,500 for 2 years; £4,500 for 3 years; £6,500 for 4 years and £8,500 for 5 years interest free credit

interest free credit
term	min spend	deposit	kitchen	kitchen appliances*	bathroom	bedroom	fires & heating	flooring	garden furniture	hot tubs	tiling
6 months	£500	0%	yes	yes	yes	yes	yes	yes	yes	yes	yes
12 months	£1,000	0%	yes	yes	yes	yes	yes
2 years	£2,500	0%	yes	yes	yes
3 years	£4,500	0%	yes	yes	yes
4 years	£6,500	0%	yes	yes	yes
5 years	£8,500	0%	yes	yes	yes

*appliances can be financed separately or as part of a kitchen project

For us to consider your application, you’ll need to;

Be 18 years +

A UK resident for at least 12 months

Employed (minimum 16 hours), retired or receiving disability benefit

Have a bank account so that we can arrange a direct debit for monthly repayments

You can apply for credit at B&Q with one of our colleagues in store. They will be able to explain the credit options we offer and will take information from you in order to complete a credit application. You will be advised there and then whether your application has been successful.

Please remember to bring;

Proof of ID, such as a valid UK driving licence or passport

Proof of address

Are there any arrangement fees or hidden costs when applying for credit?

No, there are no hidden costs or arrangement fees

When do my repayments start?

Payments start approximately 1 month after the date of the agreement

Can I make bigger repayments or pay off my loan earlier than agreed?

Yes, you can repay the credit early at any time in full or partially

Can I cancel if I change my mind before the first repayment?

Yes, there is a 14-day cooling off period, where you have the right to cancel the agreement

Will you check my credit file?

Yes. In order to process your application, credit and identity checks will be performed on you with one or more credit reference agencies

How can I make a complaint about my credit agreement with B&Q or the goods I have purchased with it?

We try our best to ensure that our customers are happy with the goods they receive from us, however, mistakes can happen and we want to make sure that we do everything we can to correct these. If you have a complaint, a problem or any concerns, please let us know.

B&Q limited acts as a credit broker, authorised and regulated by the financial conduct authority (FRN 712268), and introduces credit provided by hitachi capital (UK) PLC, authorised and regulated by the financial conduct authority.

If your complaint is about your finance agreement, contact hitachi personal finance;

By phone on 0113 380 1065 (lines open 8.45am-5.15pm monday-thursday, 8.45am-4.45pm friday)

By email to customerexperienceteam.Hitachipersonalfinance@hitachicapital.Co.Uk

In writing to; customer experience team, hitachi personal finance, 2 apex view, leeds, LS11 9BH.

If your complaint is about a product purchased from B&Q, contact B&Q customer services;

By phone on 0333 014 3098 (lines open 8am-8pm monday-friday, 8am-5pm saturday, 10am-4pm sunday)

In writing to; B&Q customer services, north avenue, clydebank, west dunbartonshire, G81 2NT

By phone on 01302 764288 (lines open 8am-6pm monday-friday, 9am-5pm saturday)

By email to hfqueries@b-and-q.Co.Uk

In writing to; finance customer service team, 1st floor, B&Q doncaster, catesby park, doncaster, DN4 8DE

More information about our complaints policy can be found on our complaints handling page

Terms and conditions for interest free credit

No deposit required. Spend £500 for 6 months, £1,000 for 1 year; £2,500 for 2 years, £4,500 for 3 years, £6,500 for 4 years and £8,500 for 5 years interest free credit on kitchen, bathroom and bedroom projects. 6 months interest free credit also available when you spend £500 on fires & heating, flooring & tiling, garden furniture, hot tubs and kitchen appliances. 12 months interest free credit available when you spend £1,000 on hot tubs and kitchen appliances. Credit subject to status. We reserve the right to remove this offer at any time.

Another £175 of free money for amex platinum cardholders!

Links on head for points may pay us an affiliate commission. A list of partners is here.

American express has launched another giveaway for holders of the platinum card.

This is presumably to convince them to keep paying the £575 annual fee for a lot of – admittedly very good – travel benefits at a time when no-one is travelling …..

This is what you should see when you look at the ‘offers’ tab on your online statement. You MUST opt in to the offer.

It will only appear on your main card, not any supplementaries. It will not appear on business platinum cards.

IMPORTANT: I have the offer in the amex app on my iphone but it is NOT showing on the website. If you can’t see it in one spot, look in the other. Amex has confirmed to us that all cardholders will receive it.

What am I getting?

You will receive 100% cashback when you spend up to £175 (so basically £175 cashback) at:

Waitrose

Deliveroo

Harvey nichols

Selfridges

Apart from deliveroo, they are valid online or instore (when they reopen).

The offer runs to 18th july. This implies that it may be the last offer of its type that we see.

As a reader pointed out in the comments, it is a bit odd that amex didn’t choose to make this ‘£30 per month for six months’. It would have done wonders for card retention.

How does the offer work?

The good news is that you don’t need to spend the £175 in one transaction, or even at the same retailer.

Each purchase you make at the above retailers will be refunded, 100%, onto your card within 2-3 days. This keeps on going until you hit the £175 cap.

Are all platinum cardholders receiving this?

American express says ‘yes’. That said, I assume it won’t appear for people who are locked out of offers because they are in default or took advantage of the covid payment holidays.

If you do not see it – perhaps you are one of those people who haven’t received any offers for months due to IT issues – then I would call amex to have it added.

Don’t forget to register before doing any spending!

Want to earn more points from credit cards? – january 2021 update

If you are looking to apply for a new credit or charge card, here are our january 2021 recommendations based on the current sign-up bonus.

British airways american express

5,000 avios for signing up, no annual fee and a companion voucher for spending £20,000 read our full review

BA Premium Plus American Express card BAPP

British airways american express premium plus

25,000 avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher read our full review

American express preferred rewards gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes read our full review

The platinum card from american express

30,000 points and an unbeatable set of travel benefits – for a fee read our full review

Virgin atlantic reward+ mastercard

15,000 points bonus and the most generous non-amex for day to day spending read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these:

American express business gold

20,000 points sign-up bonus and free for a year read our full review

American express business platinum

40,000 points sign-up bonus and a long list of travel benefits read our full review

British airways accelerating business american express

Earn both avios and BA on business points with your business spending read our full review

Capital on tap business rewards visa

The most generous avios visa or mastercard for a limited company read our full review

Disclaimer: head for points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history. By recommending credit cards on this site, I am – technically – acting as a credit broker. Robert burgess, trading as head for points, is regulated and authorised by the financial conduct authority to act as a credit broker.

Get a better credit score

97% of customers recommend us to improve your credit score

No harm to your credit rating

Financial conduct authority authorised & regulated

Improve your credit score

Full credit report

We make it easy to understand all the info in your credit file, so you know where you stand.

Six yearsвђ™ analysis

We tell you why you got your credit score, what's affecting it, and how to improve.

Easy error correction

If banks and lenders have the wrong info, it'll be wrong in your credit file. So, we've made it easy to fix any errors.

91% of customers

Better understand their credit score after seeing their totallymoney analysis*

Based on a survey of 958 totallymoney credit report customers

Stay one step ahead

Live credit score

We show your most recent credit score happenings, so you can track changes in real time.

Credit score timeline

See your credit score history and watch how you're improving.

Personalised updates

We always let you know when your score changes and why.

Вђњ
Totallymoney keep me informed on a regular basis about whatвђ™s happening
вђќ

Get your best deal

Best credit matches

We know how to find the best offers for you, based on what's in your credit file and what lenders are looking for.

Pre-approved offers

Rejection harms your credit rating. That's why we show you the lenders that can give you a YES before you apply.

Guaranteed rates

Often, you don't get the rate advertised. That's why we challenge lenders across the UK to stick to the rate shown.

Вђњ
Good info вђ” helps you get the best deals on credit cards
вђќ

Barry

See your credit score work for you

Get your credit check now, for free.

We're on a mission to improve the UK's credit score and help people move on up to a better future.

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Financial conduct authority authorised and regulated

Credit scores, credit reports & credit check

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Free credit

In past time, such payment was exclusively due to limited merchant. Today, you see that most of stores have credit card option, including online marketplace. In order to get free credit card numbers with security code and expiration date 2021, several ways are available to be considered.

Generator type:

Valid free CC numbers work

Issuing networks:

CVV / CVV2:

Expiration date:

Money range:

Number of cards:

Output format:

Output result copy all download

Free credit card numbers with security code and expiration date 2021

Free means no cost to obtain that number. In this article, you will understand many things related to credit card, such as number, security code, expiration date, and how to generate the number itself.

It starts with basic information about credit card number, CVV or security code, and expiration date. After that, it moves to section that explains where you find free card number. The last section explores the way credit card works including virtual card and PIN.

How to get free credit card numbers with CVV and expiration

Free credit card numbers with security code and expiration date 2021 starts with credit card number. Why does the card have number? The answer is simple because you do not want the other people have yours, and vice versa.

The number in credit card uses specific algorithm consisting of prefix industry identifier, issuer identification, and personal account number. Prefix means the code that refers to business field related to where the card is issued, such as banking, finance, entertainment, petroleum, and healthcare.

Card issuer is company that has authority to generate card number. In simple term, this kind of company provides system to ensure credit card works as payment. It is like payment platform that handles transferring money from one account to another.

Real active free credit card numbers with security code and expiration date 2021

Using the free credit card number generation algorithm in this web app. We could generate valid working CC numbers for application tests and validation. Take a look at credit card definition to understand more about its structure. The data below is in list format

Real active free credit card numbers that work 100% free 2021

Strictly for application tests & verifcation. It will NOT work for purchase transction due to many other real checks involved: real name & card number check, BIN check, CVV security code check.

Keep in mind that issuers are not the bank, but they affiliate to bank and financial institution since the money needs to land in cardholder. Therefore, card issuer only facilitates transaction. The last number refers to personal account of cardholder.

Next thing on free credit card numbers with security code and expiration date 2021 is security code. This number consists of three or four digits located at back of the physical card. It is separated from credit card number and printed in smaller size. CVV is a proof that cardholder has physical card at his hand.

Credit card only works at specific time. It is called expiration date after several years, but it can be extended. When you have the card that already expired, it does not mean your card is invalid.

Bank or issuer may provide exceptional rule to allow the owner using it properly at limited amount time. You can check expiration date in the card directly or visit online service from issuer. The next section will show where you can find credit card number.

Official source

The simplest way comes from official source. It is common sense related to free credit card numbers with security code and expiration date 2021. Official source means the company that provides credit card service. Card issuer only creates platform and system, but he needs to affiliate with other. The examples of several providers are bank, credit union, online marketplace, and retail store.

Bank is definitely the first choice when asking about getting credit card. Issuer has agreement with various banks from around the world, including small and local ones. One bank does not have to limit with specific provider. You may see visa and mastercard logos in credit card. It means the card will work for both network.

Other financial institution and credit union also have their own credit card product. Besides them, retailer stores offer credit card that only works in their chain. Customer does not need bank account, but the transaction is limited to particular location.

In general, credit card that you get from official source will have valid number. This is reliable way in free credit card numbers with security code and expiration date 2021. The number is generated automatically from their system with unique configuration. Two cards don't have the same number, except CVV. The card owner also knows when the card is expired.

To get this card, you need to complete requirements. Firstly, find where you want to apply. There are tons of bank and places that provide credit card. Start from local bank that's easy to visit directly nearby your location.

You should open bank account and complete necessary document, such as financial record, tax, credit score, and identity information. Approval is varied between minutes to week, but you will get notification immediately. If one bank rejects your submission, try others until you get your own card.

Online card generator

Next one is online generator. Unlike official source, it is not from bank or issuer. In fact, online card generator is from a website that provides credit card number using generated system. Visitor receives complete number including CVV, detail information, and expired date. However, that number is invalid because you don't have real card for transaction.

To obtain the numbers, the process is easy and simple. Use search engine to find online card generator. Select website and homepage which will show generator area. Fill the forms, such as name, credit card type, and additional information.

The system will use algorithm as similar to issuer to generate number automatically. As result, you see free credit card numbers with security code and expiration date 2021. Why do you need this credit card number? The result from online generator is valid, but not for transaction. People use it as a way to complete several processes.

Testing purpose

It is useful for testing purpose. When website developers create online store, there is platform for transaction. In order to know whether the system is working or not, they need tons of credit card numbers.

Where do you get them? Creating real card takes time and you need to complete the requirements. Instead of bank or official source, they rely on fake generator from online website. After that, the numbers are ready for testing purpose.

Verification

From customer perspective, such number is also reliable for verification. You want to know whether online store has proper payment platform or not. It is risk to input your card, and this number is solution. You just visit online generator then obtain some numbers. After that, use them to verify the system directly. Developer only works from this side to verify the system.

Security purpose

The number from online generator is free that everyone can have it. Another purpose is security reason specifically for unknown retailer or online store. Scam is common risk when exposing your number without realizing what merchant and what to do.

Other tips with generated free credit card numbers 2021

You already know about credit card number and few things about the way you obtain it. However, knowing the way credit card works is important. Why does card owner need to open bank account? Credit card is a form of loan from bank or provider.

Issuer does not hold money, but provider gives loan to card owner. When paying goods, money comes from bank and as owner; you needs to complete the loan. People use this method because it's practical in daily life. It is like having mortgage, but in small scale. You need things and no cash at hand.

Digital era brings new credit form called VCC or virtual credit card. If you have valid card from bank or issuer, VCC is ready to generate. It is sub number based on physical or real card. You issue this number for limited transaction that works only via online.

Instead of adding real number, VCC comes in handy to protect transaction. Merchant or store will keep the number, but it's expired immediately. It is one of security measures to protect from fraud.

At above section, security card acts as a proof to represent card ownership. If you have point of sale transaction, CVV is not needed to input directly. During online transaction, security card gives valid verification that your number is capable to do transaction. VCC also uses CVV to verify that it's connected to real card.

You don't get trouble when adding CVV, but not for PIN. This is where card owner has to put much concern. PIN is the number that gives legal permission for issuer to transfer money. You cannot share PIN to anyone.

Random fake free credit card numbers with security code 2021

With the credit card making algorithm in this web app. We could create valid working CC numbers for application tests and validation. The sample data is in table format as below

Free credit card numbers that work 2021

Strictly for application tests & verifcation. It will NOT work for purchase transction due to many other real checks involved: real name & card number check, BIN check, CVV security code check.

Besides credit card, several similar types are available. You may be familiar with product called debit and prepaid card. Debit is a card for transaction, but the money comes from your own account.

As long as the money is available, there is no limitation to spend anywhere. Credit card has limit because the bank measures credit score and credit worthiness. There is a risk for being default because the card owner cannot pay the debt. Meanwhile, prepaid card is like debit card, but not rely on bank account.

You fill money to the card from provider account. After that, the card is ready to do transaction. In certain case, prepaid is solution because people cannot obtain credit card, but they don't have bank account.

Random fake free credit card numbers with security code 2021

From explanation above, you understand that there are many things related to free credit card numbers with security code and expiration date 2021. The number is the key to identify card ownership. You can get it from official source or online generator. Expired date and security code will come accordingly.

Credit cards

There are tons of reasons to get a credit card, from spreading the cost of a purchase to rebuilding your credit rating. Using the post office classic credit card responsibly could boost your credit rating, providing you make your payments on time and remain under your credit limit. Not doing so could harm it.

Capital one is the exclusive lender and issuer of all new post office credit cards, for which post office acts as credit broker.

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Why should I apply for a post office credit card?

Compare our credit cards

We know that everyone’s needs are different, but we also know that too much choice can be confusing. So we’ve got two credit cards to give you flexibility: the classic credit card and the travel credit card. You can compare them below:

Classic credit card

19.9% to 34.9% (variable) range of APR depending on individual circumstances

You may be eligible for 0% on purchases for up to 12 months*

You may be eligible for 0% on balance transfers for up to 18 months (2.9% transfer fee)*

34.9% APR representative variable

Travel credit card

19.9% to 24.9% (variable) range of APR depending on individual circumstances

Globally accepted in over 70 million mastercard locations, online and offline

No foreign exchange fees when you spend abroad**

24.9% APR representative variable

Quickcheck – our credit card eligibility checker

Find out if you’re eligible for one of our credit cards using quickcheck. Share some details with us and we will identify the best post office credit card for you.

Won’t affect your credit score

Decision

100% certainty before you apply

Existing customers

If you've got one of our cards, you can log into your online portal and perform loads of tasks, like checking your balance, credit limit, recent transactions and more.

Credit card faqs

Well, to put it simply, credit is an arrangement where you buy goods or services now but you agree to pay later. Credit comes in many different shapes and sizes including mortgages, loans, overdrafts and credit cards. In most cases, you'll have to pay an agreed amount back every month with interest. Whatever credit you choose, it's important to keep up with your monthly repayments.

A credit limit is the maximum amount that you can owe on a credit card. Your spending (including balance transfers and cash withdrawals) and any charges, interest or fees that are added must not exceed this credit limit. If it does, you may be charged an overlimit fee.

Quickcheck is a free and easy-to-use tool to check your eligibility for a credit card before you apply. You answer a few questions and then, within 60 seconds, you’ll get a guaranteed ‘yes’ or ‘no’ before you apply. This is a great way to find out whether you can get credit without impacting your credit rating, as it uses what’s known as a ‘soft search check’ and can’t be seen on your credit report by anyone other than you and the credit reference agency who provide your score. So it won’t be visible to any other lenders or anyone else you’re applying to.

In order to apply for a credit card, you need to have a few bits of information to hand. This will include your addresses for the previous two years, details about your employment and income, and any other credit cards you have if you want to transfer your balance.

From the date you are accepted it will take between 7-10 working days before you will have your credit card.

Your PIN will arrive first and separately from your credit card.

If you’ve been accepted straight away then we’ll tell you that. The same goes if you’ve been declined. But some applications take longer to consider and, in those cases, we’ll be in touch within 7-10 business days with details.

You can register to view your card and your credit card status online. Once you’ve got your credit card, you can set up your online servicing very simply. Just follow this link.

Check your balance

Check your credit limit

Check what you’ve got to spend

Check when you need to make payments by

Check answers to commonly-asked questions

And if we don’t have the answer, or you need to chat to us about anything else, we’ve got secure, one-to-one messaging

If you’re not near a computer, you could download our app – providing the same services from your smartphone or tablet.

You won’t be able to cancel your card using your online servicing account or our app as we need to run through a few details.

So if you want to close your account, please give us a call and we’ll take you through all the steps.

Our app is available on ios and android and you can download it from their respective app stores. You’ll get a 6-digit passcode that you need to enter to log in. Once you’ve done so, you can do the following:

Check your balance

Check your credit limit

Check what you’ve been spending (recent transactions)

Check what’s due to post office and when

Make a payment to your credit card

And a range of other services can also be accessed via the app

When you take a cash out of a hole in the wall, there’s a fee of £3 or 3% of the value of the withdrawal (whichever is the larger sum). Once the withdrawal appears on your account, we’ll charge you interest at your cash rate.

Cash advance fees are not limited to cash withdrawals at cashpoints. Cash advance fees also apply to other transactions such as gambling websites, buying foreign currency at a bureau the change and cash withdrawals when abroad.

Credit cards and cash can seem a little complex, so it’s important to read the terms and conditions of your credit agreement very closely

If you’ve got the credit card app, you can get a reminder of your PIN. You’ll need to enter the CVV code from the back of your card – so it’s a good idea to memorise this too!

If you don’t have the app or want to contact us directly, you can send us a secure message on your online servicing and we’ll send a reminder by post. This will take 3-5 business days – so if you need your PIN in a hurry, the quickest way of getting a reminder is to install the app.

Well, in short, almost anywhere. There are 74 million locations worldwide where you can use mastercard® (providing you’ve got an eligible card) and you can use it online too.

You can also withdraw cash but be aware that there are fees associated with doing so – be sure you understand these before going to a cash point.

You’ll want to act as soon as you discover that your card has been lost or stolen, and the quickest way to report this is by using the post office app. Once you’ve opened it, the ‘my card’ area will show you the link to follow.

You can also call us. This is also a quick way to report your missing card.

Don’t use the secure messaging service on the app or online portal as it can take our customer service representatives as long as 2 working days to respond.

If your card number starts with 5545 or 5425, call 0345 607 6500. Lines open 9am to 7pm monday to friday and 9am to 2pm on saturdays. They’re closed on sundays and bank holidays.

If it’s out of hours you can use our automated self-serve options, including to make a payment. Or log in to manage your online account here

If your card number starts with 5185 you can call us on 0344 481 0902. Lines open 7am to 9pm monday to friday and 8am to 5pm on saturdays and sundays. Lines are open as usual on UK bank holidays.

Out of hours you can use our automated self-serve options. Or log in to manage your online account.

A one-time password is a security measure to ensure it’s definitely you that’s making a transaction. We’ll send you a text or give you an automated call to give you a unique code to use.

Are you eligible for a post office credit card?

Check now

Small print

Mastercard® and the mastercard symbol are registered trademarks of mastercard international incorporated.

Capital one® is a registered trademark of capital one. Post office limited is an appointed representative of capital one (europe) plc which is authorised and regulated by the financial conduct authority. Capital one (europe) plc registered office: trent house, station street, nottingham NG2 3HX. Registered in england and wales (no. 3879023). VAT registration number 690686101.

Capital one is the exclusive lender and issuer of all new post office credit cards, for which post office acts as credit broker. Post office limited is registered in england and wales (no. 2154540). Registered office: finsbury dials, 20 finsbury street, london EC2Y 9AQ. Post office and the post office logo are registered trademarks of post office limited.”

*fees and terms are subject to your individual circumstances and may differ from those displayed.

**we don't charge a non-sterling transaction fee when you spend abroad. Cash withdrawal fees will apply.

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Spot identity theft early. Review your credit reports.

Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early.

You've found your dream house. Are your credit reports ready?

People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it.

Don't be fooled by look-alikes.

Lots of sites promise credit reports for free. Annualcreditreport.Com is the only official site explicitly directed by federal law to provide them.

There's more to the game than a score.

How you play changes your score. Details such as how much credit you have, how much you owe, and how often you pay affect your credit scores. Do you know what else does?

One of these things is not like the others.

You may think you have one credit report and one credit score. But you really have several, and they may differ. You should check all three reports regularly.

Spot identity theft early. Review your credit reports.

Suspicious activity or accounts you don't recognize can be signs of identity theft. Review your credit reports to catch problems early.

You've found your dream house. Are your credit reports ready?

People with good credit should check their credit reports too. Regular checks ensure the information stays accurate. Your good credit will be ready when you need it.

Don't be fooled by look-alikes.

Lots of sites promise credit reports for free. Annualcreditreport.Com is the only official site explicitly directed by federal law to provide them.

There's more to the game than a score.

How you play changes your score. Details such as how much credit you have, how much you owe, and how often you pay affect your credit scores. Do you know what else does?

One of these things is not like the others.

You may think you have one credit report and one credit score. But you really have several, and they may differ. You should check all three reports regularly.

Your credit reports matter.

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.

Reviewing credit reports helps you catch signs of identity theft early.

Request your free credit reports

FREE credit reports. Federal law allows you to:

Get a free copy of your credit report every 12 months from each credit reporting company.

Ensure that the information on all of your credit reports is correct and up to date.

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