MONTY Slater has enough credit to keep him in comfort for the rest of his life.

His gold card application, which arrived in the post offering him a £10,000 limit, really takes the biscuit - because Monty's a dog.

His owner, Raymond Slater, who lives in Cheadle Heath, Stockport, with wife Susan, said: "At first I thought it was someone soliciting for pet insurance but it had Royal Bank of Scotland on it.

"It said Monty could have a gold credit card and earn air miles. It asked him to fill in the form with details like his date of birth and how long he had lived at this address.

"I was tempted to fill the form in and put a paw print in the signature box but I'd have had to give his date of birth which would show he was only two and a half years old and I guess that would be fraudulent.

"I have no idea what he would spend £10,000 on, food probably. He loves cheese, bananas and garlic bread."

With £10,000 credit in the bank, the Shih Tzu dog could certainly have had a pampered celebrity pet lifestyle.

"Monty is a lovely dog, we keep him clipped so he looks like the one the singer Geri Halliwell has," said Raymond. "I can't think how the Royal Bank of Scotland got his name.

My wife uses `Monty' as a code word and I put it into a computer at a DIY shop to make a nametag for his collar, but those are the only times his name has ever been in a computer."

Confirmed

Cristina Rebollo, from the RBS, said: "I have contacted Mr Slater to apologise for the inconvenience caused after receiving a Royal Bank of Scotland credit card mailing addressed to his dog Monty Slater.

"We are sorry that this error occurred and can assure you it is an isolated incident and we are taking steps to ensure that it does not happen again.

"We obtained his address from one of our list brokers. I have contacted them and they have confirmed the name will be removed from their database. They will send Mr Slater written notification of this.

"Again, I would like to apologise for this unfortunate error and assure you that we will not mail Mr Slater any further credit card offers. In recognition of the inconvenience that he has been caused I have arranged for some flowers to be delivered to him."

The Manchester Evening News reported in March how the RBS gave a disabled man a credit card even though they had previously closed his account of 17 years, saying he was "mentally incapable" of running his finances.

Tony Bradley, 41, who was paralysed on his left side and received £275,000 in compensation after a concrete slab fell on his head at work but is able to drive and lead an independent life, received a mailshot for a credit card and returned it because he was angry at the way he had been treated.

He was sent a credit card with a limit of £1,850 which he cut up in protest.

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