Refused for credit card...

cattyboo

Evenin all!

This is almost certainly another one of my daft questions but I'm going to ask anyway as it's been niggling on my mind.

I applied for a John Lewis credit card the other day (jointly with my partner) and got refused. Hmph. No reason given, just a big fat 'no'.

We've got a credit card already which we've always paid off and never been any trouble with. I've had overdrafts but they're cleared now. My partner has never been in any unsecured debt but we've recently taken out a mortgage for our first house. We also recently opened a joint account.

Sooo, I'm wondering if the refusal could be something to do with our credit score being a bit nobbled of late by all the mortgage checks, bank account opening and other house buying related stuff. Is that plausible or could it be something worse? Basically, what did we do wrong?! I've never been refused credit before and it's pretty worrying. Help! _pale_

Any thoughts?

Ta very much in advance,

Love C xxx

dark^knight

Hi,

I am no expert in this area, but I would imagine that credit checks do affect your ability to borrow.