That's great news!
Here's a couple of things to get you started:
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What happens next?
My application was approved
You’ll receive your new credit card and PIN separately in the next 5-7 working days. Your PIN will likely arrive before your card does.
If you already bank with us, this credit card will soon appear alongside other accounts in your Online Banking or mobile app (Criteria applies). There’s nothing else we need from you to make this happen.
Your credit card statements will be delivered securely, in PDF format, to Anytime Banking under 'Statements', and as well as to your mobile app. We'll send an email letting you know when each new statement is ready to view.
If you'd prefer to receive paper statements, you can request these once your account is open.
Should we make any changes to the terms of your credit agreement, we’ll notify you by email using the address we have on file. Where emails contain attachments, they will be in PDF format.
Your delivery preferences may take a few weeks to be reflected in Anytime Banking and our Mobile app.
My application was declined
We understand that this may be disappointing.
When coming to our decision, we use a process called credit scoring, as well as taking into account any current information that is available to us.
To help you understand why we decline some applications, please consider reading our guide to borrowing and credit scoring. This may also assist you when making future credit applications.
I've completed my application and..
- Sometimes we need a bit more information to confirm your identity or to validate your income.
- You may receive an email and/or text message soon inviting you to upload this information safely and securely via our Mitek online portal.
- Alternatively, we’ll post the request for further documentation. Once received, you can take the requested documents to a Royal Bank of Scotland, NatWest or Ulster Bank branch or return the documentation in the prepaid envelope provided.
- Your completed application has been approved and we should have your account open within 24 hours.
- You will receive a welcome email from us with more information, and you should receive you credit card in 5 - 7 working days.
- You can already use Online Banking, and register for Mobile Banking via our mobile app (criteria apply).
- We just need to run a few final checks on your ID and will contact you via email or post to let you know if your application is approved, or if we need anything else from you.
- If approved, we will begin to open your account. See above 'Successfully provided relevant documentation via Mitek' for further details.
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