Some lenders featured on the eligibility calculators in Credit Club have gone so far as to share lists of their perfect customer with our eligibility partner firm, HD Decisions.

If you're pre-approved, it means that you've passed the credit check for that card. However, the firm will still need to do ID and fraud checks, so there's still a tiny chance that you won't get the card, even though you're fully approved by the credit check.

It's worth noting that even though Credit Club only leaves a soft search on your credit report(s) to find your eligibility, if you then go on to apply for the card, that'll leave a hard search on your report - other lenders will be able to tell that you've made an application for credit, and this footprint will last for 12 months.