Credit Cards: Who Owns Who

Although it seems there are lots of credit cards to apply for, many are just different brands from the same card issuer. This is important, because some issuers will only let you have one of their cards and none of them allow you to Balance Transfer between their own cards.

This table also shows you which credit reference agencies (CRAs) each lender uses.

#indicates that the lender uses Experian

#indicates that the lender uses Equifax

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