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Declined for M&S card - could store cards be the reason?
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I know Virgin, BT card etc are issued by MBNA.
My question is who determines the credit scoring or acceptance criteria for all these cards?
Is it the same accros the board for all MBNA branded cards or for example Virgin would determine or negotiate acceptance criteria with MBNA if you see what i mean.
So would the credit scoring for an MBNA Virgin card differ from an MBNA BT card0
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