I have 2 unpaid debts (both small) which fall off my credit reports in 5 weeks. For the last year I have been re-building my credit. I have a lloyds credit card, all payments met and only half of limit still outstanding. Bank account run impecably for over 3 years, including an overdraft facility - again repaid every month. I also have a Cap 1 paid in full over the past 6 months.
Several weeks ago I applied for this Barclays card, and was referred offline. I have never heard another word, so can I assume I have been refused, and, if so, why do they not write and inform me?