Non-credit score reasons for new credit card decline?

I have been stoozing for years now, onto my 5th card, however when trying to transfer my latest balance (of less than £2k), I have been declined. I have an excellent credit score of over 900, but now work part time (still have a salary over £30k actual), have a slightly lower salary and have only been in my job for 6 months. Could these be the reasons for me being declined?? It's frustrating that I can't get more detail from them. Tried twice and don't want to affect my score by trying again.

Wondered if anyone has any knowledge over what other factors could affect my chances of getting approved?


  • Voyager2002
    Voyager2002 Posts: 15,221
    Name Dropper First Post First Anniversary Combo Breaker
    Well, if you use cards for stoozing so that the providers don't make any money from you, they can probably see that from your record.
  • [Deleted User]
    [Deleted User] Posts: 35,242
    First Anniversary Photogenic Name Dropper First Post
    Key reasons are likely to be -

    New job
    Lower salary
    Total available limits
    Meaningless credit score
  • Herbalus
    Herbalus Posts: 2,634
    First Anniversary Name Dropper First Post
    I was declined by Yorkshire Bank last week when I opened a current account. Apparently it wasn't credit-related, but rather I've moved about too much in the last few years.

    Didn't stop Halifax offering me £6k and Post Office £4k in the same week. Go figure. It's a lottery. Don't take it personally ;)
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