Credit Cards

Already applied for a Credit Card online?

What happens next?

• Within five working days of submitting your application we will send you a letter explaining whether your application has been successful  (this may take a further couple of days to arrive in the post and remember ‘working days’ do not include Bank Holidays or weekends).
• If you have been successful you will receive a credit agreement which we will ask you to sign and return. You may also be asked to provide further identification or other account information. Please send the signed credit agreement and any further information (if required) in the freepost envelope provided.
• Alternatively, you may receive a letter advising you that we have been unable to offer you a credit card.
• As soon as we receive the signed credit agreement and information (if required), we will post your new Credit Card and PIN code to the address you provided within the application, within seven days of sending a welcome letter. These are sent separately for security reasons.
• If you would like access to your credit card account online please call 0845 6020350* to arrange for the necessary credentials to be ordered. Lines are open 0800 to 2100 Monday to Saturday."

> I haven't received a letter or credit agreement
> I don’t have the freepost address to return my identification / account information to
> I haven't received my card or pin
>Why can’t you give me a credit card?

Already applied for a Credit Card over the phone?

What happens next?

• If the adviser informed you that your application was successful, you’ll receive a pack in the post within the next few days.
• This pack will ask you to sign and return a credit agreement, it may also ask you to provide further identification or other account information. Please send the signed credit agreement and any further information (if required) in the freepost envelope provided. 
• We will post your new Credit Card and PIN code to the address you provided within the application, within seven days of sending the welcome letter. These are sent separately for security reasons.
• If you would like to have access to your credit card account online please call 0845 6020350* to arrange for the necessary credentials to be ordered. Lines are open 0800 to 2100 Monday to Saturday.
  

> I haven't received a letter or credit agreement
> I don’t have the freepost address to return my identification / account information to
> I haven't received my card or pin

Still can't find the answer you're looking for? Check the complete set of FAQs

I haven't received a letter or credit agreement

It can take between five and seven working days from the date you applied to receive a letter from us. Remember ‘working days’ do not include Bank Holidays and weekends.
If it’s been more than seven working days and you still haven't received a letter then give us a call on 0845 603 9820* between 8am and 8pm Monday to Friday, 8am and 6pm Saturday and we’ll track your application for you.  Please allow between five and seven working days to pass before giving us a call as this will allow sufficient time for the application to be processed.

I don’t have the freepost address to return my identification / account information to
All identification can be sent back to us freepost to:
Freepost RRTL-RXRL-JUEA,
Santander Account Openings
9 Nelson Street,
Bradford,
BD1 5AN

Please do not send valuable originals such as passports and driving licenses through the post and ensure that the document(s) are photocopied on both sides and returned to us with your reference number, name and date of birth written on the back so that we can match it back to your application.

I haven't received my card or pin

We will post your new card and PIN code to the address you provided within the application, within seven days of sending your welcome letter / email. These are sent separately for security reasons.

Allowing for the post and weekends / Bank Holidays this could take up to ten days to arrive.

Why can’t you give me a credit card?

Our decision not to provide you with the Santander Credit Card originally applied for was made by using a system called Credit Scoring.  Credit scoring takes into account information you have provided to us, any we may already hold about you and any obtained from a credit reference agency.

If you’d like a copy of the information held about you by the credit reference agency, you can contact them at:

Consumer Help Service
Experian
PO Box 8000
Nottingham NG1 5GX
Or, visit their website: www.experian.co.uk

Please detail all names that you’ve been known by, along with your date of birth and details of your current and previous addresses for the past 6 years, together with a cheque for £2.00 made payable to Experian Ltd. You can also get this information by calling 0884 4 481 8000* (the fee for this telephone service, which requires a credit or debit card, is £2.50)

*Call charge information