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Getting approved for a Santander credit card can be a great step for those who want more purchasing power, convenience and access to benefits such as miles, cashback and points programs. However, the bank adopts strict evaluation criteria, which requires preparation on the part of the applicant.
If you're trying to get approved for a Santander card in 2025, here are some key tips to increase your chances based on how the bank's analysis system works.
Santander uses an internal score called Rating Score, which goes from 0 to 10The higher your score, the better your chances of passing:
This score takes into account factors such as credit history, bill payments, proven income, relationship with the bank, and even how you complete the application.
1. Have a good credit history
Avoid overdue debts and always keep your bills paid on time. This helps build a positive reputation with the financial market and credit bureaus, which influence the bank's analysis.
2. Avoid overcommitting your income
The bank analyzes your debt level. Avoiding excessive use of credit limits on other cards, financing, or excessive loans helps maintain a high score.
3. Fill out the proposal carefully
Simple filling errors, such as incorrect income or outdated information, can lead to a denial. Provide your information accurately and ensure your income is up to date.
4. Request the card that matches your profile
There's no point in trying to get a Black card with a down payment. Choose options that are within your income range, such as Gold or Platinum cards, which require lower income.
5. Have a relationship with the bank
Opening a Santander account and using it regularly can help. Customers with an active account, investments, or a salary deposited with the bank tend to have an easier time getting approved for credit.
6. Become a Santander Select customer, if possible
Customers in this segment have easier access to premium cards and greater chances of annual fee waivers. To achieve this, they must maintain a higher investment volume with the bank.
Approval for a Santander credit card isn't random—it follows well-defined criteria based on your financial behavior, history, and relationship with the bank. If you follow the tips above and demonstrate responsibility and organization, your chances increase considerably.
Keep in mind that credit is about trust. And the healthier your financial life, the more doors the banking system will open for you.
