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A system used by banks and finance companies to assess applications for credit cards. Your credit rating is based on information in your credit report and on the information you give about yourself in your application. Your credit report will include information from the electoral roll, details about any court judgments or bankruptcies in your name and details of your existing and previous credit arrangements (such as credit cards, loans and mortgages) held in the last six years. We may also contact external credit rating agencies if we need further information. We try and make the system as transparent as possible and we also have a dedicated page with some Your credit rating . If you have been turned down for a credit card you may want to read through these suggestions before you apply again.