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Anyone who's ever tried to apply for a credit card will tell you it's no mean feat - by the time you've spent hours entering your address history, pay slips and banking details there's still no guarantee you'll be accepted.
But one credit card provider is offering a way to boost your approval odds by over a third – and it could spell good news for anyone with a bad credit history.
Unlike traditional credit scoring methods, this one enables users to link their bank accounts during the application process – meaning applicants are 35% more likely to get accepted.
To do this you need to add two easy steps to the application process: simply download the Zable app (or navigate to the website) and link it to your bank account.
Based on assumed borrowing of £1,200 at an interest rate of 48.9% (variable) p.a., your representative APR will be 48.9% (variable).

The company say this allows them to look at a 'fuller financial picture rather than just credit history', therefore boosting your chances of acceptance.
What is the credit card everyone's talking about?
The credit card provider has been impressing users both in terms of the application process and its ability to help you build credit.
With an average rating of 4.9 across 200,000 reviews on TrustPilot, the Apple App Store, Google Play Store and SmartMoneyPeople, Zable is certainly making waves among the financial market - and for good reason.
How a credit card can help you build a good credit score
If you’re looking to make a big purchase this year – whether you’re buying a new car or attempting to get on the property ladder – the better your credit score is, the more options that will be open to you.
And often you can save a significant amount in interest as you’ll be suitable for lower interest rates, which can make all the difference, especially right now when every penny counts.
Credit cards can often get a bad rap, but using one responsibly can help you to build good credit and get better at budgeting more generally.
However, you’ll want to bear in mind what Martin Lewis always drills into us – whenever you use a credit card, you must pay it off ‘in full.’

What are people saying about the Zable credit card?
Many have praised Zable's fast repayment process – taking minutes instead of two to three days to appear against your balance – as well as its wider acceptance rates and credit score improvement. And it's these that really make it stand out from some of the others on the market at the moment.
How to build credit with Zable's credit card
For those looking to build credit, a few features will help you to do that with ease. Firstly, as you must set up a recurring payment, this means that if a payment fails Zable will automatically retry for a minimum payment, in order to prevent anyone from accidentally missing payments.
You also have the ability to freeze or replace your card right in the app, and if eligible, access a digital card via Apple Pay or Google Pay straight away. This will give you the incentive to utilise your credit card as opposed to your debit card, which is especially handy if your aim is to build credit.

What is the Zable app?
You can also use its app access your credit score, insights and report your rent payments to credit reference agencies for free. And if you’ve had issues being accepted for a credit card in the past, Zable uses Open Banking technology to look beyond traditional credit scoring methods, in turn considering a fuller financial picture rather than just your existing credit history.
Because of this, Zable applicants are 35% more likely to get accepted when they link their bank account during application.
What are Zable's interest rates?
It also doesn’t have any annual fees and you can see the interest rates straight away instead of being stung by an inflated rate further down the line.
If it sounds like it might be the right card for you or you want to find out more, you can get a quote with no impact to your credit score at zable.co.uk
Featured Image Credit: ZableTopics: Money