I have no idea. Never saw the refusal letter. It was only after I called them that I even heard of it!
It's always a good idea to talk to a real person (maybe a few real people!)
until you are satisfied with the answer.
We didn't like how we were being treated with MBNA and tranferred the balance to a Disney 0% until next February. That gives us a little breathing room. But we don't use the Disney card. We're just warehousing the debt there.
In the meantime we don't use ANY credit cards. I have a debit card for my online banking which pays for ATM use and is not related to any credit cards. What I'm doing is saving the money I owe in an ING account until the due date when I'll pay it in one lump sum come February. I do of course have to pay the minimum 2% every month.
But this year is 'get out of debt' year. And that is our goal.
Hope this helps.
