Hi,

I have always had good credit and no problem taking out loans or HP etc. I never miss payments. This past month though I had a few emergencies for which I used a few short term loans. (Wonga etc)

I applied for an Argos Credit Card last week and was declined outright - the same when I applied for a normal credit card a few days later.

Is this solely due to the short term loans still being outstanding (have not repayed yet, payment date is next month)

Would like a credit card for emergencies as well as some furnishings for my new apartment.

Thanks