When you make an application for credit, each lender, including Barclaycard, will score your application based on a number of factors, including:
- the information in your credit report, which will show how you’ve managed credit in the past
- any customer records you have with them already
- information you may have provided on the application form, such as your income
- their own lending policy rules
A good score provides an indicator of how well you’ve managed your borrowings, based on your credit history, which you can control and manage.
Find out more information about improving your credit score here.