Each rejected application leaves a hard enquiry on your credit report. This scores every card we list against the bank's own published income, age and credit-score rules — so you only apply where you actually stand a chance.
No hard enquiryNothing reaches a credit bureau. We only read the criteria each bank publishes.
Rejections cost youEvery declined application leaves a hard enquiry on your report and can drag your score down.
Working shownIncome, age, credit band, employment and city, each scored against the card’s own rules.
