Credit cards - Application declined
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- When applying, key features of your card agreement, such as fees and interest rates must be clearly set out in an information box.
- If your credit card application is declined, you should receive a letter telling you why. This is called an 'Adverse Action Letter'.
- If you believe an error has been made, then you should contact your bank to raise the issue.
- You may wish to obtain a copy of your credit report if the rejection relates to this.
- It can take up to 30 days for a credit card provider to make a decision on your application. We recommend waiting at least this period.
Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:
If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.
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