UK Card Eligibility

The tool computes a probability of eligibility for UK Amex cards by applying a rule-based model to user inputs. It targets individuals considering card applications, financial educators, and counselors who need a quick prequalification signal. The inputs reflect common underwriting criteria in the UK market, such as age, residency, income and employment status. The output is a structured likelihood plus a brief justification that explains which factors most influenced the result.
Core logic uses deterministic checks (18-75 age, UK residency) and optional credit data to adjust the likelihood. It does not access real lender systems; instead, it maps input attributes to typical approval tendencies using transparent weights. The tool distinguishes between a likely approval, a possible outcome, and a low probability, presenting both a label and a percent score to support decision-making.
Inputs are validated for type and range: age in years, income in GBP, score 300–850 if supplied; residency must be UK; employment status from a defined set. Outputs include an eligibility_label, probability_percent (0–100), and a reasoning_snippet. When data is missing but allowed, the tool uses reasonable defaults and flags insufficient_data where applicable.
Common use cases include planning for a new card, evaluating the impact of income changes, or teaching credit readiness. Unique value lies in UK-specific rules, clear probabilistic signals, and scenario testing without lender access. It helps users prioritize actions, such as improving income documentation or selecting suitable Amex products based on eligibility tendencies.