QuickCheck: Everything you need to know

Learn how to find out if you'll be accepted for credit before you apply - without affecting your credit score

If you're looking at a credit builder credit card, like the one from Ocean, you'll want to know straight up if you're going to be accepted before you apply, rather than risk a bad mark on your credit rating. Just by borrowing a relatively small amount on this and making sure you pay it back on time every month, you could start to turn your credit history around.

There is a way to find out if you’ll be accepted for the Ocean Credit Card before you apply - this is QuickCheck. Let’s take a look at how this works.

What is QuickCheck?

QuickCheck will see if you're eligible for a product before you apply, without damaging your credit rating. You can complete a short form and be given a ‘yes’ or ‘no’ answer in just 60 seconds, meaning you can apply with confidence.

QuickCheck carries out all of the checks necessary to give you an answer and as long as all the information you give us correct, it will tell you with 100% certainty if you’ll be accepted. After this, if QuickCheck tells you that you’ll be accepted, the only reason you’d be rejected is if we can’t verify your identity when we’re doing our fraud checks.

Can I apply for a credit card without affecting my credit score?

You can see if you're going to be approved before you apply without touching your credit score - using QuickCheck. In most cases when you apply for any form of credit – whether that’s a credit card, a loan or a mortgage – it leaves a mark on your credit history, whether you’re accepted or not. If lenders see a lot of applications on your credit report within a short space of time, they might be more likely to reject you, as this could make you seem desperate for credit.

That’s why QuickCheck could be a good idea for you if you’re not sure whether you’ll be accepted for the Ocean Credit Card or not. The eligibility checker only does a ‘soft search’ meaning it won’t leave a visible mark on your credit history. You will be able to see the search when you check your credit report but this can only be seen by you – other lenders can’t see it when they run a credit check on you. If you’re not sure whether a credit card is right for you, QuickCheck makes it easy to check before you apply, with no effect to your future borrowing.

What happens if I am refused credit?

QuickCheck helps eliminate this risk. If you're not likely to be accepted for certain, we'll let you know before you start your application. Not only will this not affect your credit rating, but we'll show you alternative options that might better match your needs.