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In applying for a credit card a number of automated and manual checks are made about you including:
- Validation of your address by comparing it to the electoral roll
- Any CCJs (County Court Judgements) against your name
- Checks to ensure you do not have your name against any fraud records - see identity fraud
- Your credit repayment record. This is checked against records held by organisations such as Experian who hold a file of your previous credit applications and how you have repaid credit and how often you have applied for credit.
From information provided above the credit card company will generate a credit score based on your profile. Based on this score the company if they accept your application will determine the type of credit card and rate they are prepared to offer you.