When you apply for a credit account with us, we review the information you have provided and carry out a creditworthiness assessment, which includes checks with credit reference agencies. This information is used to help us make a lending decision, and sometimes the results mean that we're unable to provide you with a credit account.
Reviewing your credit file will likely give you an indication of why we have made this decision. If you'd like to do this, please visit the Experian website:
If you'd like to chat with us, our specialist team are available from 9am-5pm, Monday to Friday – just click the icon in the bottom left to open up our Support feature. If you're already viewing this article in Support, please click the diagonal arrow in the top right, next to the header.
You can also email us at account.protection@jdwilliams.co.uk (please make sure you include your account number, name and address).
Please note: due to the coronavirus pandemic and the measures put in place to prevent it spreading, we have an extremely limited number of advisors available to answer your queries at the moment.