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Fixing these fees, which currently average 0.7pc of the transaction, will cut off a key revenue stream for lenders that offer cashback or reward cards.

The result could be more tinkering with their scoring systems. Card providers use scoring benchmarks to turn down an estimated 5 million applications each year.

Graham Donald of Pancredit, a firm that sells decision-making software to banks, told The Sunday Telegraph that each lender was targeting a “niche”.

“Our automated system speeds up this process,” he said.

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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.

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

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