Bank of Scotland Credit CardCredit Card Bank of Scotland
A higher number of points means a higher probability of getting the card. When you see a very low number of points, you are unlikely to get the card, so it might be rewarding to look at others. Smart Search uses the same search criterias as the creditors. When you have high scoring tickets, you can be pretty sure to apply, but the creditor will decide whether to say "yes" or "no".
When you see a guarantee number, the creditor will not perform another credit investigation, but will perform extra scams to validate your identities. When you are deemed "unauthorised" for a particular card, this may be due to one of several factors. They can already have a card with this card issuer, and some creditors do not like to give a second card to the same people.
Alternatively, from time to time creditors limit the card only to their accountholders, which means that you are not qualified if you do not have any. When you are classified as "not eligible" for many tickets, then it is likely that your credit rating is too low to be qualified - maybe you have failed to make past payment, or you have a CCJ or are bankrupt in your reporting?
However, if you do not have a huge amount of debts already, it could be that creditors are worried about the amount of debts you already have. Sometimes we cannot show a point value for a particular item because we do not have enough information about the card issuer's acceptability requirements or because we could not reconcile your data with the credit agency to perform the check.