Ie the fact the user is a non UK resident and if the card is in their name.
I am not UK resident, for the past 20years. My registered address with the bank is in Spain. The resident in UK thing only applies to opening a new account, although, by writing to the CEO, I got a new credit card account last last as 'a special favour to a special customer' so it can be done.
I suggest you never lie to your bank, hide facts etc. If they find out you have, then you have destroyed your reputation.
