I've had a job for the past 3, nearly 4 years, except for 3 months last year. Because of those bad 3 months, i applied pretty much everywhere to be declined by pretty much everyone. My own bank even told me to f**k off for 6 months. MBNA only accepted after i faxed my last 3 months worth of bank statements to prove i was back on track with my finances. Gave me a 1k limit, i phoned to up it and they flatly refused, and will do so for the next 4 months until i can prove my finances with them. Its not if you've got a job or not, its how you've handled your account in the past. Do you take time with re-payments, do you miss them, do you have many financial commitments, if any, etc etc.