Not sure if posting in the correct category. My issue is that first time in my life I have decided to apply for a credit card. A good friend of mine recommended MBNA as she has a very good experience with them. Turns out for some mysterious reason that MBNA thinks I do not qualify for their credit card. I never checked my credit score and don't really wanna do it. Here's my history in a nutshell: Living in London for 15 years, residency status, EU national. NEVER applied for a credit card in my life before Banking with Santander ever since opening my first account in England in 2005 4 bank account with my bank, cash card, current account with a visa debit card, savings account and credit card. Not much money in the first 3 accounts currently but never used overdraft, only once or twice my current account went into unarranged overdraft but only lasted a few days before my wages arrived into my account to balance it. Been using my Santander credit card but always repayed the money in one payment. Currently I do have a small amount on it that I have not paid back yet, but I used that amount only 1 week ago so no repayments or anything else due on it yet. Living as a private tenant, 18 months at my current address, 2 years at previous address Part time employed for 7 years, been self employed before for 2 years, all taxes, NI, etc been always paid without delay. Annual income 15K. Recently my hours had been permanently reduced by my employer and I am only receiving pay per hour for my work, about 15 hours per week at the moment. Still in employment and job hunting, of course. Also the most interesting thing is that time to time I am being spammed by other credit card companies such as American Express and etc by post, sending me their credit cards even though I don't even know where they got my details from as I have never applied. When Santander gave me a credit card, I didn't apply for it, they asked me in the branch at the counter if I'd like one, I said 'yes', and they handed me the card. If anyone got any tips or ideas what might be the issue, it'd be very helpful.... Oh, and I am not on the electoral roll register - if that counts, that's literally the only thing I can think of what might be the issue.