credit card application

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I am a housewife aged 59. I have one credit card which I pay the full balance each month. I have a few bank accounts and an overdraft of £2500. Although my husband owns the house we live in, I own another property for which I receive a small monthly rent. My recent application for another credit card was declined, is there any way that I can apply for a credit card using my own property as security??

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  • SwissLe
    SwissLe Posts: 265 Forumite
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    Credit card debt is unsecured, the only exception I can think of is the One Account where credit, current and mortgages are linked.

    Have you checked your credit file with Experian/Equifax? Once this has been done you should get more of an idea of why you were turned down. Don't make any other applications in the mean time.
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  • shoshana1
    shoshana1 Posts: 7 Forumite
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    SwissLe wrote: »
    Credit card debt is unsecured, the only exception I can think of is the One Account where credit, current and mortgages are linked.

    Have you checked your credit file with Experian/Equifax? Once this has been done you should get more of an idea of why you were turned down. Don't make any other applications in the mean time.

    Well I got my report from Credit Expert and phoned them for some advice. It appears that my regular credit card that I have had for about 15years or more is not showing. So anyone enquiring will think that I dont have a credit card. I have been advised to write to RBS advising them of this and checking that they have my correct details. I can't really get my head around all this but will follow their advice.
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