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“There is simply no way to tell whether you will be accepted,” he said.

Careful borrowers who repay the balance every month are increasingly turning to generous “reward” cards heavily promoted on television and in supermarkets.

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In most cases decisions are taken by computers programmed to exclude certain borrowers.

The applicants’ details, including credit scores obtained from referencing agencies such as Experian, Equifax and Call Credit, are fed into the formula to produce a “yes” or “no”.

Will Becker, director of comparison website Totally Money, said more than 70pc of people considered “good” credit risks were now turned down for the best cards, following a severe tightening of lending criteria since the financial crisis.

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