Good credit rating - Card application rejected?

sefton

Use the eligibility checker on this site.

https://www.moneysavingexpert.com/eligibility/credit-cards/#whichcalc

pikefire

No other form of credit. I've never taken out a loan, only ever had an over-draft on one 'student account' whilst I did a 1 year university course which is being paid back via a payment plan.

Thanks again for your info

smdabs

Having no credit history is just about as bad as having poor credit history.

They would have declined you because of the lack of information/accounts.

A bank wants to see that they'll earn money from you and that you have a history of paying it back. Its one of the catch 22's of life...you can live within your means for your entire life and not touch a credit card/overdraft and have savings...but the banks will still turn you down because they LIKE people in debt (albeit ARRANGED debt, not defaults)...and paying them interest.