declined later with Orchard Bank (HSBC). Since my last increase in score for giggles I applied on line and was approved for the unsecured Orchard Bank MasterCard Gold but the application is under review. So I'll have to wait and see what happens.
I have the same question when I applied it was approved and I was asked to pay 49 AF online. Now I check in their website and says that is under review. I am waiting to see what happen!