Hi Guys,

My credit card application has been rejected twice

- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.

So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.

For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.

Help much appreciated, thanks.