Help re: Credit card application

When you say it has timed out, why did you then try a further 3 times? Surely after the second time you would have realised that perhaps their website was down/experiencing problems and tried another day?

You have possibly risked 4 separate credit checks on yourself. If I were you, I would call Virgin and ask if your application was successful. Then I would wait until next month and apply for copies of my credit report from all 3 agencies to see the damage if any.

When you say you went into your bank to see about a card, did you sit down with someone and they went through their application and informed you that you were going to be credit checked? Or do you mean that you just enquired over the counter if they could offer you a card, they said yes but you declined their offer?

If it's the first one then it shouldn't impact your file that much, assuming you haven't been applying for lots of things in a short space of time.

Candyapple wrote: »

You have possibly risked 4 separate credit checks on yourself.

Each lender etc is different and has its own rules but normally multiple searches by a single organisation within a short space of time are normally treated as a single hit as some banks simply do do multiple searches for a variety of reasons.