Comment Re:Forest for the trees (Score 1) 161
It's not trivial to get credit cards in the UK. Say you were bankrupted even a long time ago. Or, I heard, say you never borrowed money or you never once paid late fees, surcharges, etc.
It's not particularly difficult either. Most people haven't declared bankruptcy, been involved in financial crime or other rare event that will make you ineligible for credit. Given the number of challenger banks out there if the high street banks turn you down you've got options and options for days. Hell, a lot of the challenger banks are skirting the rules on credit to get new customers, Starling for one offers a line of credit (overdraft facility, effectively the same thing) on almost every account, default is £500 and can't be reduced to less than £50.