I have been following the UE route with 3 cards since Niddy was posting on MSE. I decided to investigate the possibility with my Santander Credit Card and sent off a CCA request. Santander wrote back saying they had no trace of the quoted account number. I checked the account number I quoted which was...

My Son had a letter through the post this morning declining a Vanquis card, my son had no knowledge of this as he had never applied for one let alone heard of them.

So he phoned them as naturally it set the radar off and he thought fraud, it turns out he acquired about an Argos card on-line...