If we decline to offer you a card, we will have come to the decision based on the information you gave us, along with information provided by our Credit Reference Agency, Experian. You can get a copy of your credit report by visiting http://www.experian.co.uk. You’ll be able to amend any mistakes and get tips on improving your score. In six months’ time, we’d be happy to see if anything has changed. Reapplying before then could have a negative impact on your credit score, which is the last thing we’d want.

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