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Millions of people searching for credit cards are thought to be needlessly damaging their credit score by making unsuccessful credit applications. These consumers are being financially disadvantaged just at the time when they most need to access credit or rebuild their credit score. Fluid, a new credit card tackles this issue using technology that puts the customer back in control. Fluid allows people to pre-screen their application to see if they are likely to be accepted without making a mark on their credit file, saving the potential damage of an unsuccessful application. The ‘apply with confidence’ technology performs a ‘soft search’ which whilst visible to customers looking at their own record, is not visible to lenders and therefore does not damage their credit record.

The Fluid credit card also offers new customers a low fee of 1.5% and 15 months at zero per cent interest on balance transfers made within the first 60 days of opening the account.

Will Becker, chief executive of Fluid said: “It alarmed us that huge numbers of consumers applying for credit cards have damaged their credit rating, so we set out to design a product that we felt would be much fairer. As well as offering features such as a low balance transfer fee, giving consumers the opportunity to check whether they may be accepted first is a big step forward. We think people deserve a card that offers value and fairness and that’s what we’ve endeavoured to deliver.”

The Fluid credit card is available now at
Representative example 15.9% p.a. variable on card purchases. This is equivalent to 15.9% APR representative variable based on a credit limit of £1200.


Apply with Confidence Please be aware that this technology should only be used as a guide and results may differ if you make a full application.

About Fluid
Fluid,, is a personal finance brand with a portfolio of products including credit cards, travel insurance. Fluid is owned by Media Ingenuity Group, an award-winning, London-based online financial services company. Media Ingenuity builds proprietary data-driven solutions to connect consumers with financial services products.

Editor and supplementary notes:
The information contained in this press release is intended solely for journalists and should not be used by consumers to make financial decisions. Any consumer interested in learning more about any of this product should visit for full terms and conditions.

For further information, contact:
Jayne Fairley
PR Executive
Media Ingenuity Tel: 0207 841 7313

This press release was distributed by ResponseSource Press Release Wire on behalf of Media Ingenuity in the following categories: Personal Finance, Business & Finance, for more information visit