Although you may have the right to apply for a credit card most credit card companies take a along time to get you one and they have the right to refuse it too.
Lets take a look at what creditors and credit agencies have the right to do or not do.
Assessing your credit risk-most credit agencies have the right to assess your credit rating before granting you your loan, credit card or what not. It stands to reason if you have a good paying job permanently, home as well as regularly paid loan payments with a healthy balance in your bank account then you are more likely to readily accepted as an applicant for anything. Almost all credit agencies ask for your credit reference reports from reputed credit reference agencies. These agencies have databases of public information electoral roll information, public information about past debts as well as account information.
Even if your application is rejected you have the right to question the credit agencies for a valid reason for the rejection of your application. And here’s something that I recently learned. Most credit cards do cover you for online credit card fraud .So if your credit card comapny makes a big song and dance about it then you have to just quote the following The Consumer Credit Act 1974 and the European E-commerce Directive 2002 which guarantees all consumers fraud protection whenever they use their credit cards.