Every credit card company is rejecting me, wth?? Watch
Not all of these are 'credit cards'; John Lewis and Argos are most likely store cards which are different.
You don't mention your age but you do say that you have been using one for six years so age is probably not a major issue. you also say that you pay off monthly payments on time. This is very good for you as a customer but very bad for the card company since they cannot charge you interest or penalty charges. It's not clear from what you write if you make the monthly payments on time or if you clear all the debt each month. In the latter case you do not use the card as a credit card but as a deferred payment card and therefore create no credit history.
It is your credit history that creates your credit score. As a consumer buys and pays off goods and services using credit that history is used to work out a credit score or rating. You lose points if you fail to repay or pay late. A few late payments won't ruin your credit rating and over time such blots mean very little. The exact calculations used are not made public.
If you are not using credit to buy stuff you will have no credit history on which to generate a rating. So based on what you have written this is probably the main reason for being declined. In addition of course if you are a student you will likely have little or no income - which is obviously a very important factor in the calculation.
There are two credit rating agencies in the UK (Equifax is one). You can contact these companies and get a copy of your credit history if you want - just google for details. They will charge you for this. If there is an error or mistake causing the block on your record you may be able to have this corrected.
The other thing to check is whether or not you appear on the electoral register at the address you listed on the application.
Like I've currently got 3, all regretfully near maxed....i'm making all the payments ect, but if i tried to apply for more/another card i'd almost certainly be knocked back, just for debt vs income
The main question is though, why are you applying for another credit card? What issue are you actually trying to solve here?
you also say that you pay off monthly payments on time. This is very good for you as a customer but very bad for the card company since they cannot charge you interest or penalty charges. It's not clear from what you write if you make the monthly payments on time or if you clear all the debt each month. In the latter case you do not use the card as a credit card but as a deferred payment card and therefore create no credit history.
I always pay the whole amount when I get my monthly bill. And my credit report shows that -- "the bill was £X and payment received was £X" -- it doesn't just say that at the end of the month my balance was £0. And the report has data for six years. So anyone looking at my report can see a track record of how much I spend on the card each month as well as how much I pay off.
The headings in the credit report (this was from Callcredit) are: date, current balance, statement balance, limit, payment amount, number of cash advances, value of cash advances.
Have a low income
Continually miss payments on current credit cards
have been applying for lots of credit in a short period of time
made cash advance with a credit card
have no credit history
I would suggest to check your credit file and see if there is anything causing this