If we can’t offer you a credit card, for security reasons, we won’t be able to tell you exactly why.

There are a few things we look at when we make a decision, including your credit history and your financial situation. Please have a look at the list below, and you might see one or two which could relate to you.

We may say no, if:

• Your existing level of unsecured debt is high

• There’s not enough information in your credit file

• Your level of disposable income is low

• There’s not enough proof that you’ve managed credit well in the past

• Your credit score is low

• You've applied for a credit card with us in the past 2 months