Eligibility checking and soft searches

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Eligibility checking and soft searches

Eligibility checking allows you to see your chances of being accepted for a certain credit product before you apply. It’s quick and easy to do, free, and it won’t affect your credit score.

What is an eligibility checker?

There are hundreds of different credit cards on the market and each one will have different eligibility criteria. If you don’t meet the eligibility criteria, you won’t be accepted for the credit card.

Eligibility criteria can relate to things like your age, income, employment status, credit history and homeowner status.

Reading the eligibility criteria for every credit card you’re considering applying for would be a time-consuming exercise. So, an eligibility checker does the hard work for you.

Some eligibility checkers will just check your eligibility for credit cards from one provider, while others will search the wider credit card market for you.

How does eligibility checking work?

An eligibility checker will ask for some basic information about you. This normally includes your:

  • Name

  • Date of birth

  • Address and when you moved there

  • Income

  • Financial dependents and commitments

  • UK residency status

It will then carry out a soft search on your credit file. This type of search can’t be seen by lenders.

The eligibility checker will then tell you if you’re likely to be accepted for a particular credit card. Although the results aren’t 100% guaranteed, it’s a pretty good indicator.

Why is using an eligibility checker important?

Too many credit applications in a short space of time can leave a mark on your credit report. If you apply for a credit card, it will be visible to lenders. If you are rejected and apply for a different card and are rejected again, it may make it even more difficult to access credit.

Using an eligibility checker should mean you only apply for credit cards you have a very good chance of being accepted for.

What should I do if I’m not eligible?

If you’re not eligible for a particular credit card, you should examine why. Take a look at the offer details to make sure you match the requirements and check your credit report.

Armed with this information, you should then search for credit cards you have a better chance of being accepted for.

For example, if you have bad credit, a ‘credit builder’ card could be right for you. These cards often accept people with low credit scores, a history of missed payments, or County Court Judgements against their name.

To be accepted for any credit card you’ll need to be aged 18 or over, have the legal right to live in the UK, and be able to prove a UK address.

What are hard and soft searches?

A credit search (or credit check) is when a company or individual looks at information on your credit report to understand your financial behaviour. Credit searches can be ‘hard’ or ‘soft’.

A hard search is an in-depth search of your credit record. The number of hard searches that have been carried out on your credit report will affect your credit score.

A soft search looks at certain information on your credit report but doesn’t include a full examination of your credit history. Soft searches don’t affect your credit score.

Top tips for credit acceptance

Although an eligibility checker can’t guarantee you’ll be accepted for any credit card, it can give you a good idea of which ones you could get.

You’ll still need to pass the provider’s fraud and identity checks, and it will carry out a hard search on your credit report.

To increase your chances of being accepted for a credit card you should:

  • Be on the electoral roll at your current address

  • Pay down existing debts

  • Check your credit report for any errors

  • Raise a dispute if anything is incorrect on your credit record

  • Keep your credit utilisation low

  • Close down old credit accounts you no longer use

  • Pay household bills on time

  • Shop around for the best card for your needs

  • Avoid making multiple applications in a short time

  • If you have a low credit score or no credit history, consider a credit builder card

Fluid bird

See if you'll be accepted before you apply

  • Quick and easy to fill in your details.

  • Get a response in 60 seconds.

  • No impact on your credit rating.

Check Eligibility

Fluid Card

34.9% APR

Representative (variable)

Don't forget

Use your card sensibly — if you don’t make repayments on time or stay within your credit limit you will pay extra charges, forfeit the 0% offer and getting credit in the future may be harder and more expensive.

Credit is available, subject to status, only to UK residents aged 18 or over.

NewDay Ltd provides our credit here at Fluid. TM Connect Limited promotes the Fluid card exclusively with NewDay Ltd and acts solely as a credit broker. Fluid is a registered trade mark of TM Connect Limited, which is used under licence by NewDay Ltd.

NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services.

TM Connect Limited 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. TM Connect Limited is a credit broker and not a lender.