Consumer champion Martin Lewis has a warning for people who are planning to apply for a credit card.
Martin is urging borrowers to use a free soft check eligibility calculator before getting a card. Eligibility checkers show how likely you are to be accepted for a deal before you apply.
Credit reports list how many times you've applied for cards and loans, and too many applications close together could make you look like a risky borrower. This is because you could be seen to be struggling financially.
