3 years ago I had a clean out of the wallet - all credit cards cancelled apart from 1 and 1 x debit card. All goes well until the CC splits and cannot be used. About 1 week later a new car arrives and all is well.
Then I thought that I should have another, for emergencies so I applied on line for a well known CC - I had had 2 x from that Bank from 1984-2009 -never missed a payment and fully paid each month - I never pay interest on cards.
Low and behold I was refused...........I checked with Experian, Call Credit & Equifax - all clear, no bad marks, nothing out of line.
Eventually wrote and asked why. The reply was I had no history apart from1 x current card, no mortgage, no HP, etc.................because I had no history the answer was NO!
Reasonable Pension, own 100% home, no debts,....................but not Credit Worthy to that CC Company
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