Excellent and really informative article, on subject matter that is rarely dealt with in most online content related to credit cards. My credit history is probably appalling on account of the fact that I spent four years living like a hippy and with little responsibility. My financial position has now changed drastically however and so has my financial security, yet I find my self denied every card that I am eligible for simply because of my past credit history. This piece finally gave me some useful info. Thanks!