If you're thinking of applying for a new credit card, be it your first ever application or your first for a few years since the darker days when you may have had a default registered against you (with the Credit Reference Agencies (CRA's), then it's always best to consider asking your main bank first. Unlike applying with a sub-prime lender, such as Capital One, Vanquis, Barclaycard etc, by applying to your bank you may be surprised to learn that they may well accept you. Of course there are n...