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How to Apply for a Credit Card

Learn what documents you need to get your application underway.

How do you apply for a Credit Card?


To make the Application process as smooth as possible, you’ll need your driver’s licence and some financial information.


Once you have chosen a Card, read the Terms and Conditions, then click on the ‘Apply now’ button to start your application.


As long as you have all the required information, your Credit Card Application should take you less than 10 minutes to complete.

How do you know if you’re eligible?

There are some basic criteria you’ll need to meet before you apply for a Credit Card from American Express.

What do you need to have ready before you apply for a Credit Card?

Before you apply for an American Express Credit Card, you will need to have your driver’s licence (if you hold one), as well as some important personal and financial information.

What is a credit assessment?

As part of your application we’ll need to carry out a quick evaluation of your credit history.

Establishing a good credit history

Some things that credit providers may consider when reviewing your credit file are:

  • The type of credit you have sought
  • How often you apply for credit and how much
  • Any overdue accounts listed against your name

To maintain a good credit history, you should always pay your bills on time. If you are moving, ensure you provide your lenders with your new address and other contact information to avoid late or missed payments.

What happens after you apply?

Once you have completed your online Credit Card Application, we aim to give you a response in between 5 and 10 working days.

On completion of your Application you will receive your Application Reference Number (PCN Number) on the Thank You page. Should you have any questions about the progress of your Application, please call us on 0800 372 693 (Monday to Friday from 9am to 8pm) and quote your reference number.

Need to know more about how Credit Cards work?

There are a few things that are useful to know when choosing a Credit Card – from rewards, fees, interest charges and credit limits, to understanding the different Cards available to you.

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