If this article is correct then consumers will soon have less choice when they choose a credit card. Natwest and HSBC have recently decided to offer credit cards to existing customers only. To qualify for a credit card with them you will now need to also have a current account with the bank. The move obviously cuts down on the risk to the bank but if other banks start to follow suit then it looks as though people are going to be quite restricted when choosing a credit card in the future.