A credit card is a regulated consumer credit agreement under the Consumer Credit Act 1974, and ss.60-61 set the requirements for its form, content, and proper execution. Before an FCA-authorised issuer grants the card, FCA CONC 5.2A requires a creditworthiness assessment — an evaluation the application form exists to feed. Both of those needs are about the process, not about keeping the applicant's raw personal data on file indefinitely. anonym.plus marks each value on your device, so the record stays on file while the applicant's data is shielded.
When this applies
An applicant sends in a card application with their name, existing card details, income, and National Insurance number. The FCA-authorised issuer runs its CONC 5.2A creditworthiness check and archives the outcome — but the archived copy does not need every raw personal field the original form carried.
How anonym.plus handles it
- Open the application in anonym.plus on your device.
- Local OCR reads a scanned, signed page.
- The tool flags the name, the long number, and ID fields.
- Keep product and plan codes you must retain.
- Swap or black out the confirmed items.
- Save the clean copy locally.
What you need to provide
- The form (PDF, DOCX, or scan).
- An operator (Replace keeps it readable).
- Optional name map across linked applications.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | applicant Quinn → [APPLICANT] |
| Account | CREDIT_CARD | existing card → [CARD] |
| Identifiers | UK_NINO | QQ 12 34 56 C → [NINO] |
| Bank | UK_BANK_NUMBER | income a/c → [ACCOUNT] |
| Location | LOCATION | home address → [ADDRESS] |
| Dates | DATE_TIME | DOB 1985 → [DOB] |
Compliance achieved
- Limits stored account data per PCI DSS v4.0.
- Keeps the form and content requirements a regulated agreement needs under Consumer Credit Act 1974 ss.60-61, without carrying every raw personal field forward into an archive copy.
- Keeps income and outcome fields readable for the record a FCA CONC 5.2A creditworthiness assessment leaves behind.
- Offline handling keeps the form off any server.
Anonymise card applications offline — see plans & start free →
Limitations & cautions
A signed page may carry handwriting that OCR reads poorly. Verify flags on scanned pages. The tool removes the named fields, not every indirect detail an applicant wrote.
Frequently asked questions
Which fields get flagged on an application?
Name, account number, National Insurance number, address, and birth date. anonym.plus marks each so you can decide what to keep, separately from the creditworthiness outcome a CONC 5.2A assessment records.
Why does the Consumer Credit Act 1974 matter for a card application?
A credit card is a regulated consumer credit agreement, and ss.60-61 set requirements for the agreement's form, content, and proper execution. Those requirements attach to the original signed agreement, which redaction of an archive copy does not affect.
Is the application uploaded for processing?
No. The app runs locally with no upload, so the applicant data stays on your device throughout the review.