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I have a constituent whose husband was declined a credit card because their bank classed a car lease as unsecured debt, when it is clearly secured debt. Yet she herself was able to get a credit card from the same bank, which is illogical. As the ombudsman says, banks can set rules as they see fit. My constituent would like a Government statement on how we can set more competent credit assessment rules for banks so that they can be held to account.