When you’re applying for a credit card with us, we carry out an eligibility check first. If we can't offer you a credit card, we’ll let you know. At this point you've only had a soft credit search (which doesn't affect your credit score) and it's only taken a few minutes of your time to find out.

Once you go through to apply for the card and sign your agreements, that’s when we’ll do a hard credit search. We'll still need to do a hard search, even if we've pre-approved you.

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