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Your credit rating could be at threat, finds Which?

Credit card providers fail to show T&Cs online

Credit card T&Cs

Some credit card providers are not displaying full T&Cs online, which could damage your credit file on application

Some leading credit card providers have been failing to provide consumers with vital information before they apply for a card online.

When we checked in January, credit card providers John Lewis, NatWest and Royal Bank of Scotland all failed to publish their full terms and conditions (T&Cs) on their ‘card details’ webpages. Barclaycard and Saga didn’t publish their T&Cs until the last page of the online card application process.

The providers’ websites do contain a summary box, showing key information, but these do not include all the relevant details and are ‘not intended to replace any terms and conditions’. 

Key information missing that could harm your credit file

The problem is, once you have read the full T&Cs, you may decide not to proceed with the application. And if
you decide to cancel it after the agreement and T&Cs have been posted to you, your credit file will show an unsuccessful application. 

It will not show whether you withdrew it yourself or were rejected by the provider. You could struggle to get credit elsewhere in the following months as a result. 

We contacted John Lewis, Royal Bank of Scotland and NatWest, and the companies said they will be adding the terms and conditions document to their websites. 

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