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02 May 2009

I have a good credit rating and no loans or other cards but I've been turned for a credit card twice

I've checked my credit rating on Experian and it's about 2 points below Excellent. The only credit I have at the moment is £300 remaining on my sofa (2 years at 0% interest) and a £1000 overdraft available (not used at the moment). I've had a personal loan and credit cards in the past and have never missed a payment. I've applied twice over the last year for an Amex cashback card but I've been declined both times. Is there anything I can do? I want a card for emergencies but don't want to keep applying and getting turned down.

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