After receiving many letters from Barclayscard that I am pre-approved for balance transfer, I applied for it this morning and shockingly was rejected!!! Why all those efforts and letters and confirmations!! Just to damage my credit??? It says in the letter (with my full name and address) that you have received a confirmation from a credit agency . This is the most deceitful situation that I have ever been!! I know my credit rate and I know it is high enough to get a card. I will complain to the UK banking authorities and will make sure that everyone else knows about this scam!