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Central Credit Register for credit card application

 The Central Credit Register (CCR) is a new secure system, established by the Central Bank of Ireland, for collecting personal and credit information for loans of €500 or more.

When you apply for a new An Post Money credit card, or an increase to your credit limit on your existing account, you will need to provide us with a copy of official documents showing both your full name and your PPSN or personal public service number.

What documents are acceptable to verify my PPSN?

  • Payslip, P60 or P45
  • P21, Tax Assessment or Notice of Tax Credits
  • Receipt of Social Welfare payment
  • Medical Card or Drug Payment Scheme (DPS) Card
  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you showing your PPSN

Please do not submit a copy of your Public Service Card as we may not legally use one to verify a PPSN.

What do I need to do?

Fill in your personal credit card application form with your PPSN along with a valid mobile and email address.

If you are approved for a credit card, you will be asked to provide evidence of your PPSN by uploading one of the approved documents above.

WARNING: Once approved in principle, if you are unable to provide a document to verify your PPSN, you will be unable to access your credit facility.

What does the CCR mean to my credit card application?

From 30 June 2017, lenders who provide consumer loans, including credit cards, mortgages, personal loans and overdrafts, have submitted information to the Central Credit Register. 

The Central Credit Register processes data to create and maintain an accurate and up-to-date credit report for each borrower. Credit reports may be requested by borrowers and lenders. Each request is recorded on the credit report as a footprint.

From 30 September 2018, Avantcard are regulated by the Credit Reporting Act 2013 to complete a CCR enquiry as part of the assessment of your loan application. This will leave a footprint on your CCR credit file.

If your credit card is approved the details on the performance of your credit card will be submitted to the CCR on a monthly basis.

Your credit report does not tell you if you can be approved for a loan. The Central Credit Register does not decide:

  • if a credit card is approved or not – the lender makes that decision
  • score or grade credit reports