Frequently Asked Questions

Q: How do I apply for a credit card?

A: First, search for the best credit card for you at UK When you find the card you wish to apply for, click the "Apply Now" button for that card and fill out the secure SSL application.

Q: What information will I need to supply on a credit card application?

A: You will need to supply some basic information such as your name, date of birth, address, income and employment details.

Q: How long does it take to receive a credit card application decision?

A: Decision time can vary depending on the card issuer. While some credit cards offer instant approval online, with others there may be a delay in processing your application. In some instances, you will be asked to provide further information after submitting your initial application.

Q: Are online credit card applications secure?

A: Every credit card application we link to features secure SSL technology and offers the highest level of internet security involving sophisticated data encryption.

Q: Can I apply for more than one credit card?

A: Yes, you can apply for more than one credit card. Many cardholders have multiple credit cards. Only card issuers can decide whether they want to approve your application for a card or not. However, if you have too many credit cards, issuers may decide that your total available credit is already high relative to your income and deny your application for additional credit cards.

Q: Do I need a bank account with the bank that issues the credit card I wish to apply for?

A: No, you do not need to have an account open with a bank to apply for one of their credit cards.

Q: Can I apply through the post or over the phone with UK

A: Currently, UK only allows you to apply online. Applying online is often safer and faster, while also reducing the risk of human error.

Q: Can I change my personal account information, make payments or cancel an existing credit card through UK

A: To make any changes to an existing account or handle billing issues, you will need to speak with the customer support department for your card. A free customer service phone number should appear on the back of your credit card and on your credit card statement.

Q: How do I report a lost or stolen credit card?

A: You will need to contact the card issuer's customer service department - click here for our list of issuer phone numbers.

Q: Who do I call with a question regarding my credit card bill?

A: Please contact the free customer service phone number that should appear on the back of your credit card and on your credit card statement.