Hi. Could anybody tell me whether I'd be eligible for a credit card if I applied (with a "proper" bank)? I've got a current account with RBS, earn a bit less than �800 a month (temping), have an agreed �500 overdraft which I use constantly (haven't been in credit for about a year), but no other debt - no loan, no credit card, no mortgage...etc. As it's Christmas soon I need a bit more cash than usual (would only be purchases, and probably no more than �100). Any idea? Or a possible alternative? I'm French (been living in the UK for 5 years), so I've never had a credit card before and I'm not 100 % sure how it works. Many thanks.