I've been refused an M+S credit card and have no idea why

[YoJesse]

I'm earning, I've no official debt (as in I've borrowed money off family but not loans or anything), I've been with my bank for over 10yrs.

No expenditure on cars or housing as I live with my mum. I got a barclay cc years ago without any problems (don't have it anymore).

Why could it have been refused? I applied online and they sent an email back saying it wasn't successful

It's probably due to your lack of borrowing - ridiculous as that sounds. They can't see any evidence of you being a responsible borrower who pays things back on time so they're not willing to take the risk. I'm sure there will be other credit card companies who will though.

I was declined an M&S card. At the time I was working for them so I was even more confused. Successfully applied for both Virgin and Nectar cards both prior and after the M&S application. I think they just have odd rules.

Both my mum and dad got declined. Both have excellent credit ratings. Dad got a different one a few days later with no issues. Seems to be common with M&S.

Nectar credit card I mean. Not just a regular nectar card!

Probably due to your lack of financial history, no mortgage or loans for example.
Make sure you are on the electoral roll, as that is a normal check carried out.

I was declined for M&S in a similar situation. Not sure what their rules are, but I just wrote them off.

Ooh it's not me it's them! Shame as I fancied the rewards it offers.

And yes to financial history. I'm a bit off grid as previously I didn't trust myself with a cc.