Decorative image

Credit cards

Find out about having, or applying for, a credit card if you have cancer.

You can apply for a credit card from any bank in the UK. The credit card issuer will not ask about your state of health and you’re not obliged to tell them either your diagnosis or the likely outcome (your prognosis).

So you can apply for and own a credit card as normal, regardless of the fact that you have cancer or have had it in the past. This is true even if your cancer can't be cured.

Payment protection insurance

You might have to disclose your medical history to get payment protection insurance. Payment protection is a type of insurance that covers credit card repayments if you are unable to meet them because of ill health or unemployment.

It’s possible that having cancer will mean you can’t get payment protection for your credit card. There are no hard and fast rules about this. Different card suppliers may be happy to provide payment protection.

Getting payment protection might depend on a report from your doctor. Or it could depend on how long ago your last treatment was. It’s always best to try a number of credit card suppliers.

Credit card debt

You could transfer any existing credit card debt you have to another credit card. Most companies offer special terms to do this, which may save you money. 

Your financial position is the most important thing to consider. Cancer can have a financial impact. Your ability to earn might be affected and you may have additional expenses.

In turn, this could make it harder for you to meet credit card repayments. In any case, it’s quite an expensive way to borrow money.

Where to get advice

You can get advice about the best ways of getting a credit cancer or reducing credit card debt from the money advice organisations.