To apply online you need to confirm the following:
I am 18 years of age or above
I have been in receipt of regular income for the last 6 months
My salary / income is paid into my Current Account
I am a permanent resident in the Republic of Ireland and have been for at least the past 6 months
I have met all recent payments on my credit commitments e.g. credit cards, hire purchase agreements, store cards, personal loans
My mortgage repayments are fully up to date and I am not currently in a forbearance or any other reduced payment arrangement with my mortgage provider. †
In the past 24 months I have not entered into any type of arrangement on my mortgage, which reduced my payments to an amount less than the originally contracted mortgage payments †
I have an income over €16,000
†Only applicable if you have a mortgage
Are you already the principal cardholder of a Bank of Ireland credit card? *
Please confirm that you agree to the above:
Do you generate income from any countries that are outside of the following areas: EU/EEA, USA, Canada, Australia or New Zealand?
Do you have a mortgage?
Do you hold any savings with us or another financial provider?
Do you have a personal credit card with another financial provider?
Is your current account with Bank of Ireland or another financial provider?
Would you like to pay your credit card by Direct Debit?
In the next 6 months, do you intend to make lump sum payments into your credit card account in addition to your monthly payments?
Do you want an additional cardholder on this card?
I give my consent to Bank of Ireland contacting me on this application at my place of employment or business (we need these consents under consumer law).
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NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.
The Central Credit Register enables you to: get a copy of your credit record from the Central Bank (you can order one free copy per year) correct any errors on your credit record tell the Central Bank if you suspect you may have been impersonated ask the Central Bank to add a short explanation written by you to your credit record To learn more about the register, and your rights and duties under the Credit Reporting Act 2013, please see www.centralcreditregister.ie
In order to process your application, we will need to carry out credit checks with credit bureaus. The fact that we have carried out checks will be recorded by the relevant bureaus and may be disclosed to other financial institutions if you subsequently apply to them for credit facilities. If we decline this or any future application on the basis of your records with the Central Credit Register, Irish Credit Bureau or any other similar database we will inform you of this and supply you with the identity of the database consulted.
As part of the application process and ongoing loan management we will carry out credit checks and credit scoring and share information with the Central Credit Register (CCR), Irish Credit Bureau (ICB) and/or other credit reference agencies. Those agencies may keep a record of this information and may give it to other financial institutions that you apply to for credit facilities. The ICB uses Legitimate Interests (GDPR Article 6 (f)) as the legal basis for processing of your personal and credit information. These Legitimate Interests are promoting greater financial stability by supporting a full and accurate assessment of loan applications, aiding in the avoidance of over-indebtedness, assisting in lowering the cost of credit, complying with and supporting compliance with legal and regulatory requirements, enabling more consistent, faster decision-making in the provision of credit and assisting in fraud prevention. Please review ICB’s Fair Processing Notice which is available at http://www.icb.ie/pdf/Fair Processing Notice.pdf
When it comes to redeeming those Aer Credit Card Travel Rewards that need to be pre booked e.g. fares, fast track etc. and spending your Avios, you’ll need be a member of AerClub, the loyalty programme of Aer Lingus AND your Aer Credit Card will need to be linked to your AerClub profile. Don’t worry, it’s easy to do and we’ll guide you through it. We analyse your transactions so that we can award the points you earned on your credit card spend, and to let you know when you’re eligible for rewards. Please tick the box below to confirm you understand this.
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Give us a call or drop by anytime, we endeavour to answer all enquiries within 24 hours on business days.