Which of these three cards to apply for : M&S, HSBC or Goldfish

The_Boss

I am going to apply for one of the following and take up the life of balance offer....

M&S money
HSBC
Goldfish

Which one am I most likely to be accepted for?

I had a Morgan Stanley account for 5 years up until last December, so will that put me in a better position for the Goldfish? Likewise, since M&S are backed by HSBC would there be any difference, apart from the offer?

Of course, I have had tonnes of grief applying for credit cards and not being accepted (with a totally clean record), but having managed to get 3 limits increased on current cards without credit searches, hopefully this has repaied some of the damage from closing cards and reducing limits.

The_Boss

Any takers?

Bokkens

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

You are the only one who is likely to be able to answer your question .Read Martin's article and apply it to your situation and then anaylise the three cards and the benefits that they are offering 0% on purchases /balance transfers /period of time and which is going to be useful to you and then apply for it.
There are dozens of factors affecting your credit rating ,employment,wages,personal circumstances,locations,payment history etc.