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You can apply for a Recognition MasterCard providing that you can say 'yes' to the following statements:
- I am 18 years or over, a permanent resident in the UK and have been for the last 12 months.
- I have a good credit history with no previous defaults or County Court Judgements.
- I have a current UK bank account and a registered UK telephone number.
- My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.
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You can apply for a Recognition MasterCard online or in store – click here to find your closest store. It takes just a few minutes to apply. There's no paperwork involved and you can simply accept the Recognition MasterCard agreement online. It means you don't have to wait for us or send us anything in the post, and your card will arrive in 7 - 10 days. To apply for a Recognition MasterCard click on the Apply Now button at the top of the page, and you can apply online, receive an instant decision and sign your credit agreement straight away.
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Whether you apply in store or online an application will only take a few minutes to complete. To ensure your application does not take longer than necessary, have your address, employment details and Debit Card details to hand.
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Yes, we are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs.
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We are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs.
If you tell us you have a financial link with another person, or a link has already been recorded by CRAs, applications for credit by either of you (separately or together) will take the others financial information into account and will be affected by it. This linking will continue (covering any other names used by both of you) until you, or the person who is financially linked with you, successfully apply to CRAs to be disassociated.
We may also use credit scoring and automated decision making systems when considering your application and managing your account. This may involve further searches at CRAs. These searches will not affect your ability to obtain credit.
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CRAs record credit application searches we make about you and people financially linked to you. CRA credit application searches may be used by other organisations to help make credit decisions about you. FPAs may also record information we share with them about you. We and any other organisation may use CRA and FPA records about you, people financially linked to you, anyone in your household and your business (if you have one) to (1) assess lending and insurance risks, (2) make decisions on and manage credit, insurance and related services, (3) help make decisions on motor, household, credit, life and other insurance proposals or claims, (4) for fraud prevention, debtor tracing, debt recovery or to check you or their identity to prevent money laundering and (5) for statistical analysis and system testing. CRAs and FPAs may also use your data for other purposes for which you give specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
Please telephone us on 0871 522 5146 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. ) if you want details of the CRAs and FPAs we use. You have a legal right to these details.
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You can obtain your credit history by contacting one or all of the following agencies:
Experian:
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
www.experian.co.uk
Equifax:
Equifax PLC
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk
Call credit:
Call Credit
One Park Lane
Leeds
West Yorkshire
LS3 1EP
www.callcredit.co.uk
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If you apply for a Recognition MasterCard you will normally receive an instant decision. However, in some cases you may be referred and so we will contact you for further information.
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If you are not accepted for a Recognition MasterCard, you can try again any time if your circumstances change. However, you should be aware that each time you re-apply we will perform Fraud and Identity checks, which are recorded by the Credit Reference Agencies ("CRAs") and Fraud Prevention Agencies ("FPAs") that we use.
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We, Santander Group companies, and other organisations we disclose your Personal Information to, may contact you personally by letter, fax, phone and mobile phone, email, SMS about this agreement. If you express interest in receiving marketing information from us we, or other companies approved by us will send you details of offers that we think you’ll find interesting. We always aim to ensure that everything we send is worthwhile and relevant to you.
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Yes, if you have been accepted in store for a Recognition MasterCard, you will receive a temporary card enabling you to make purchases in House of Fraser on the day of opening your account. Then your new card will be sent to you by post and it will need to be activated once it arrives. This is to reduce the risk of your card being intercepted and misused on its way to you. To activate your card you’ll need to call 0800 915 2205 (calls may be recorded and monitored for training and security purposes), opening hours are: Mon-Thurs 9am-8pm, Fri 9am-7pm, Sat 9am-5pm, closed on Sunday. If you are accepted for a Recognition MasterCard online you will not be able to make purchases until your card arrives.
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Yes, you can add up to 3 people to your account at no extra cost. Additional cardholders must be aged 18 and over and will share your credit limit. You are responsible for all use of the card by the additional cardholder. You will be given the opportunity to add additional cardholders to you account when you apply. If you are already a cardholder and wish to add someone to your account you can call House of Fraser Card Services on 0871 522 5827 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
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If you do not receive your Recognition MasterCard within 7-10 days of a successful application, you should make us aware by calling House of Fraser Card Services on 0871 522 5827 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). Every effort will be made to ensure that your card reaches you safely and as quickly as possible.
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A condensed guide to the use of your personal information by ourselves and by Credit Reference and Fraud Prevention Agencies:
- When you apply to us to open an account, we will check the following records about you and others (see 2 below):
- Our own;
- Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders and this may affect your ability to obtain credit for a short while. They supply to us both public (including the electoral register) and shared credit and fraud prevention information;
- Those at fraud prevention agencies (FPAs). We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your Account with us.
- If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your account and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
- Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
- If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
- If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
- Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
This is a condensed version and if you would like to read the full details of how your data may be used please phone 0871 522 5146 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
- Call Credit PLC, PO Box 491, Leeds, LS3 1WZ. Tel: 0870 060 1414 or log onto www.callcredit.co.uk(consumer solutions section)
- Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US. Tel: 0844 335 0550 or log onto www.myequifax.co.uk.
- Experian Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF. Tel: 0844 481 8000 or log onto www.experian.co.uk.
- Please contact us on 0871 522 5146 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you want to receive details of the relevant FPAs
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