Credit Card Eligibility Checker

Apply with confidence

  • Free eligibility check
  • Checking won’t affect your credit score
  • Get a response in 60 seconds
Up to £8,000 credit limit

Intelligent Lending Ltd (credit broker). Capital One is the exclusive lender.

How does an eligibility checker work?

An eligibility checker shows how likely you are to be accepted for a credit card before you apply. It carries out a soft search on your credit report and uses the results to see if you’ll be successful.

You’re the only one who can see this soft search on your report, so you can check your eligibility as many times as you need. It has no effect on your credit score.

Why should you check your eligibility?

Checking eligibility doesn’t affect your credit score, while applying does.

  • When you apply for credit, it adds a hard search to your credit report. Other credit providers can see this search.
  • If you have multiple hard searches over six months, it could make you less likely to be accepted for credit. Lenders may see it as a sign you’re struggling financially.
  • Checking eligibility can protect your score and your chances of being accepted for credit. This is because checking uses a soft search, which only you can see.
  • If you’re pre-approved for a credit card after checking eligibility, you can apply knowing you’re likely to be accepted.

While an eligibility checker can give you an idea if you’ll be accepted, the result can change depending on the findings of a hard search and final checks from the lender.

How to check your credit card eligibility

  1. Fill out some basic details - using our QuickCheck tool. 
  2. See if it's a yes or no - in 60 seconds.
  3. If accepted - you can complete a full application.

Why the Ocean Credit Card?

  • Get your card within 10 days
  • Credit limit of £200 to £8,000
  • No annual fee
  • From 28.9% APR (variable)
  • You may be eligible for 0% on balance transfers and purchases for 6 months Balance transfers will be subject to a 2.9% fee
Ocean credit card

What information do you need to check eligibility?

Checking your eligibility for the Ocean Credit Card is simple and straightforward.

All you need to provide is:

  • Your name and date of birth
  • Your current address (and previous addresses from the last three years)
  • Your employment status and income
  • Details of any dependants and additional household income

QuickCheck will give you a ‘yes’ or ‘no’ within 60 seconds, so you can be confident you'll be accepted before you apply.

Any details provided are used only to check your eligibility and won’t be used for marketing purposes unless you agree otherwise. You can read our Privacy Policy for more information.

39.9% APR Representative (variable)

What happens after using an eligibility checker?

At the end of your eligibility check, you’ll be told on-screen whether you’re pre-approved for a credit card, or unsuccessful this time.

If you’re pre-approved – you can apply with Capital One for the next 30 days. A hard search will be carried out to check your credit history. You’ll then be told if you’re accepted, declined, or if your application needs further review.

If you’re unsuccessful – you'll be told on screen. Remember, as this eligibility check only uses a soft search, it won’t affect your credit score.

You can always try again if your financial situation changes. For example, if you’ve built your credit score, paid off some debt, or changed your income.

Use QuickCheck before you apply to see if you'll be accepted.

Fiona Peake

Using an eligibility checker is a great way to see how likely you are to be accepted for a product before you apply. They’re quick to complete, don’t require too much information, and won’t affect your credit rating.

Fiona Peake, Personal Finance Writer

How could we help you?

Ocean has provided access to loans, credit cards and mortgages to people across the UK since 1991. In this time, we’ve pre-approved more than a million people, offering products and advice to suit their circumstances.

  • All credit histories considered 
  • Check your eligibility without affecting your credit score
  • Save time finding the right loan deal

You can learn more about Ocean on our about us page.

Written by: Zubin Kavarana

Edited by: Josephine Haagen

Reviewed by: Matt Waller

Last updated

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