- Can You Get a Credit Card Without Credit Check UAE?
- Why Do Banks Make Credit Checks for Credit Cards?
- How to Get a Credit Card Without Credit Check in UAE?
- Types of Credit Cards Without Credit Check UAE
- How to Improve Your Credit Score and Get the Best Credit Card?
- FAQs About Credit Card Without Credit Check
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Looking for an easy way to get a credit card in the UAE? Whether due to a poor credit score or simply a lack of credit history, many among us wonder if we can get a credit card in UAE without credit bureau check.
While you won’t find any options regarding the same, you can take one step at a time and eventually get the best credit cards as per your requirements.
Let’s understand whether you can get a credit card without credit check in UAE, the alternatives for the same, and more.
Table of Content
Can You Get a Credit Card Without Credit Check UAE?
No, you cannot get a credit card without your credit report being checked. When you apply for a credit product in the UAE — a credit card or a loan — your credit report is pulled by the bank. This is called a hard inquiry.
The Al Etihad Credit Bureau (AECB) prepares your credit report. This document contains your credit score and your credit history.
It’s worth noting that hard inquiry is a crucial part of the application process. Banks do this to know your creditworthiness and decide on your application. Consequently, you cannot get a credit card without credit check in Dubai or any other Emirate.
Why Do Banks Make Credit Checks for Credit Cards?
When you apply for a credit card, your credit report is pulled by the concerned bank to —
- Decide whether to approve your application — the higher your score, the better your chances of approval
- Assign your credit limit if your application is approved
How to Get a Credit Card Without Credit Check in UAE?
As we saw earlier, you cannot get a credit card without having your credit record checked.
However, note that this is different from applying for a credit card without a credit score. This can be the situation if you never had any loan or credit card or haven’t used your credit product for long.
In such cases, you can still get a credit card in UAE. However, for this, you will need to show that you have not missed on utility bills and meet other such criteria.
Types of Credit Cards Without Credit Check UAE
While you cannot apply for a credit card without credit checks, you can certainly turn to a few alternatives —
- Secured Credit Cards: This refers to credit cards where you make a security deposit with the issuing bank against the card. Such cards are ideal if you have a bad credit history but want a card to make transactions or improve your credit score.
- Becoming an Authorised User: If you want a card to make transactions and enhance your credit history, you can become an authorised user. This can happen if someone adds you to their credit card account.
Note that while you, as an authorised user, can get a card of your own, you won’t be responsible for the card payments.
How to Improve Your Credit Score and Get the Best Credit Card?
Ultimately, credit cards without credit check UAE are primarily searched by those who have poor credit histories. So while you can certainly look at temporary alternatives, it’s advisable to take the long-term route and improve your credit score.
For this, you need to consistently follow a few steps —
- Pay all your bills on time
- Don’t apply for multiple credit cards or loans at once
- Maintain a good mix of credit products
FAQs About Credit Card Without Credit Check
Q1. What is the fastest approval credit card without credit check in the UAE?
Ans: You cannot get any credit card in UAE without credit bureau check. In the short term, you can look for secured cards or become an authorised user on someone’s card. However, it’s better if you improve your credit score in the long run.
Q2. How to check credit score without credit card?
Ans: You don’t need to have a credit card to find out your credit score.
| Credit Score for different types of Loan | |||
|---|---|---|---|
| Credit Score for Personal Loan | Credit Score for House Loan | Credit Score for Car Loan | Credit Score for Student Loan |
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