Credit Cards UK .. Your full guide 2023
Cards Without fees
- Halifax Clarity Credit Card
When you use the Halifax Clarity Credit Card abroad, you won’t have to pay a fee for transactions made in a currency other than sterling (e.g., purchases and cash withdrawals).
Even though there is no fee for ATM withdrawals, interest will start to be added from the date of the withdrawal. At 18.9% variable APR, this card’s interest rate on cash withdrawals is lower than average. Since interest starts to be charged right away on cash transactions, it’s necessary to pay back any ATM debts as soon as you can.
Documents for getting a credit card in the UK
Online
Most credit card companies now electronically check your ID and address through a credit reference agency (CRA) like Experian or Equifax when you apply for a credit card online.
Even though you may be asked to provide some personal information, there will be no requirement for any ID to be retrieved. This check on your identity won’t hurt your credit score.
Sometimes, the CRA won’t have enough data about you on file (or in the databases it can access) to be sure that your ID is real.
When this happens, you might be asked to show a picture of yourself and a picture of the page of your passport that says your name. Again, the provider will use technology from a CRA and the photos you’ve given to check your ID.
If the provider doesn’t have this option, you may be asked to bring your ID to a branch or mail a “certified copy,” which is a copy that has been signed off as real by a bank employee, lawyer, accountant, doctor, etc.
You shouldn’t send the originals of your passport or driver’s license, which are both very important forms of ID.
In Branch
When you go to a branch to apply for a credit card, you have to follow the old rules, which say you need to bring two forms of ID: one to prove your identity and one to prove your address. You can’t use the same document to do both. Most of the time, you’ll need a passport or driver’s license and a bill or bank statement.
To prove who you are
Each provider will tell you what kinds of documents it will affirm, but you can usually use one of the following:
- License to drive
- Passport Blue disabled driver’s pass
- UK armed forces ID card
- Biometric residence permit
To prove where you live
Each provider will tell you what kinds of documents it will accept, but you can usually use one of the following:
- Driving license
- Benefits entitlement letter
- Benefits entitlement letter
- Tax bill from the local government for the present year
- A recent bill for a service
- A recent report from a UK bank, building society, or credit union
- A recent rental agreement from a lawyer, housing group, or local government
Best credit cards in the UK
In our opinion, Amex ultra-premium charge cards are full of benefits, especially for people who travel a lot. But you’ll have to use all of them often to make up for the card’s high annual fee.
The American Express U.K. Platinum Card has the most features of any personal card in the U.K. If you just recently applied for this card, you can immediately start using its benefits.
Wholesale in The UK
Many clothing providers in the UK provide exquisite and attractive apparel at wholesale prices.
