All the referrals to the Amex cards forget that they require some form of credit history. If one applies with a too low rating, it will lower the rating even more because an unsuccessful application is recorded. Moreover, many card require at least two or three years of being in the UK in their T&C! So register for free with any credit reporting service offered by Noddle, MSE, Creditscore etc. and check your rating and likelihood of being accepted.