advice would be appreciated I have built my credit up using Vanquis capital one cards they are high interest cards now my credit is fine I'want to apply for reasonable rate card should i cancel these cards before applying or keep cards advice would be appreciated . second query applied for balance transfer card checked on Experian it said I had 95 %

of getting card  .  I got declined FOR CARD I  checked with bank who said they believed my income was low and to check with Equifax .  I checked with both credit agency who said they don't keep income history any help would be appreaciated