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In case anyone is having the same issue, I’m not really any further forward, but the person I referred contacted live chat, who didn’t know what the issue was so advised phoning the new applications team.

An initial agent there stated simply that a gold card was already held, hence the rejection. This isn’t the case, so was passed to a second agent who spent some time looking into it, but still couldn’t advise of the reason.

They have now passed it to a back office team, with a response due within 3-5 working days. Unfortunately this takes us past the enhanced sign-up period, so I can foresee a battle to get the points if the referral ends up being successful.

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