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When one applies for a credit card, the lender will ask for personal details including income and outgoings, salary details and length of time one has lived at their address. They will also check with the three credit reference agencies for any history of bad debt, failure to pay on time and CCJs. Based on all this information the lender will reject or accept the credit card application and assign a credit limit and interest rate.

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Q: How does one do a credit card check?
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