What does this mean?
Please remember that:
To reach our decision, we have considered your credit rating, number of cards, recent applications and your ability to afford the repayments.
If you have applied in the last 30 days, you will not be able to submit another application for a Bank of Scotland credit card.
You can’t have more than 3 credit cards with Lloyds, or more than 5 in total with Lloyds Banking Group.
You may still need to verify your identity.