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What Is a Sort Code on a Credit Card?




Making purchases internationally is one of the greatest benefits of today's global technology. We can do business simultaneously in Taiwan and London, all from the comfort of our kitchen table. Such globalization can be mind-boggling, especially when we remember that each country has its own distinct financial system. Many similarities exist between nations and most countries have done a fine job of making their financial system accessible to anyone worldwide. However there are a few differences that should be understood.

What Is a Sort Code on a Credit Card?

A sort code on a credit card, or debit card, for example, can be quite confusing to someone who has never encountered one before. A sort code is not the same as an account number, nor is it unique to each individual cardholder. A sort code on a credit card is a series of numbers used to identify bank branches in the United Kingdom. Think of it as a numerically valued address. The sort code on a credit card is six numbers written in groups of two, such as 27-44-90. This number is used internally by the issuing bank in order to identify both the bank and the specific branch at which the account is held.

What does a Sort Code do?

The purpose of the sort code on a credit card or debit card is to facilitate money transfers between banks and/or bank branches. The sort code is similar in nature to the bank's routing number system found on accounts in the United States.

Where can I find my Sort Code?

The sort code on a Maestro or Switch card can be found embedded in the long account number on the front of the card. The first eight digits will most likely be your account number. The next six digits will generally be your sort code.

When will I need to use my Sort Code?

When making transactions in the United Kingdom, you will almost always need to provide both the account number on the card and the sort code of the bank. Remember, though, that the sort code is simply a representation of the address of the bank branch in which your account is held. This number is not permanent to your account. If you change bank branches, or are transferred internally, your sort code will change also to reflect the new bank branch's location.

About the Author:
Paul Basco Provides Expert opinions and reviews to help you Compare and Apply for a Credit Card Offers online. At GettintingaCreditCard.com, we offer low interest credit cards, 0% balance transfer credit cards, cash back rewards credit cards and much more.









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FICO Credit Scores

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

What is a Credit Score?

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

Credit Score Facts

  1. Credit Scores range from 300-850, the higher the better.
  2. Most lenders base approval on your credit score.
  3. Higher Scores mean lower payments and better deals.
  4. Higher Scores mean Lower interest rates.
  5. Scores are determined by 5 main categories:
    • Payment History
    • Amounts Owed
    • Length of Credit History
    • Type of Credit Used
    • New Credit

Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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