Where are you on the UK Credit Map?

Explore our interactive map to see how your neighbourhood Credit Index ranking measures up against the rest of the country.

- The Interactive Credit Index Map reveals the areas of the UK that are most likely to be accepted or declined for credit.
- Drag, zoom and click on the map to see how your area rates against your neighbours and the rest of the UK.
- Share your results and challenge your friends to see how they rank.

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Acceptance rate

0% to 38%
38% to 39.5%
39.5% to 41%
41% to 44%
44% to 47%
47% to 53%

The winners: where you’re most likely to be accepted for a credit card

  City / Area Postcode Population Acceptance rate 2013 Rank Rank Change
1 Ilford IG 335,694 51.6% 42 41
2 Southall UB 371,969 50.4% 68 66
3 Harrow HA 480,953 50.2 25 22
4 East London E 990,035 49.5% 78 74
5 Kirkwall KW 53,203 48.1% 57 52
6 Twickenham TW 490,472 47.8% 17 11
7 Slough SL 373,607 46.3% 27 20
8 Outer Hebrides HS 27,684 46.2% 14 6
9 West London W 533,706 46.2% 28 19
10 Bromley BR 299,293 45.9% 2 8


... and the losers: the areas with the lowest credit card acceptance rates

  City / Area Postcode Population Acceptance rate 2013 Rank Rank Change
114 Cardiff CF 1,005,334 36.2% 104 10
115 Motherwell ML 383,317 36.2% 105 5
116 Paisley PA 321,691 36.1% 82 34
117 Cleveland TS 602,474 36.0% 113 4
118 Telford TF 212,061 36.0% 120 2
119 Newport NP 488,368 35.8% 119 0
120 Dumfries DG 151,174 35.8% 124 4
121 Dundee DD 280,291 35.8% 103 18
122 Sunderland SR 250,826 35.4% 123 1
123 Kilmarnock KA 371,478 34.8% 122 1

About the TotallyMoney.com Credit Index

The TotallyMoney.com Credit Index is derived from data and analysis from HD Decisions and TotallyMoney.com. HD Decisions provides the leading ‘pre-qualification’ application for credit cards that allows consumers to see which products they are most likely to be accepted for before applying. Analysis of the results of 221,324 TotallyMoney.com applicants the Credit Index examines the likelihood of acceptance or decline for credit card applications across 123 regions of the UK.