I have applied for a credit card, did an online application, the bank rang to confirm details etc and told me that because I have a referral fee on my current a/c it will have a negative impact on my application but he said he would put through the application anyway. I don't have any credit issues so ICB report will be fine. I have permanent public sector employment so I thought I'd have no hassle getting the card. I don't have a credit card already. Does anyone know how much of an impact the referral fee is likely to have on the application?