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Is it okay to apply for two Credit Cards in one day?
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# 1
Still04
Old 24-07-2006, 2:45 PM
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Default Is it okay to apply for two Credit Cards in one day?

I applied for and was accepted for an Egg credit card today (already have a mastercard with HSBC), but I would also like a Nationwide CC as I'm going on holiday to the USA in a months time. Would applying for two credit cards on the same day go against me? The Egg credit card that I applied for today has been the only card I've ever applied for (HSBC CC was given as a part of my student account with them). The Egg card also has a lower limit than I'd like at 500, so the Nationwide card with 0% on purchases would come in handy for my holiday. Any advice? Thanks!
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# 2
lipidicman
Old 24-07-2006, 2:50 PM
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Shouldn't do, also the credit search for one card will not have been updated yet so there can be advantages
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# 3
Still04
Old 24-07-2006, 8:57 PM
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Thanks for the advice. I was accepted for a Nationwide CC today.
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# 4
bert&ernie
Old 24-07-2006, 10:34 PM
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Quote:
Originally Posted by lipidicman
Shouldn't do, also the credit search for one card will not have been updated yet so there can be advantages
Not 100% sure about the other CRAs, but Experian CAPS records are written as part of the search process. They will be visible to other lenders immediately.
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# 5
vwman
Old 24-07-2006, 10:53 PM
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Quote:
Originally Posted by bert&ernie
Not 100% sure about the other CRAs, but Experian CAPS records are written as part of the search process. They will be visible to other lenders immediately.
My other half applied for a cahoot card last wednesday, she has checked all CRA's tonight and no search has been recorded as yet, but she was provisionally accepted instantly, and received her agreement on Friday morning, is this normal.
Aiming to be debt free....but still off target
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# 6
M Thomson
Old 24-07-2006, 11:55 PM
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Quote:
Originally Posted by vwman
My other half applied for a cahoot card last wednesday, she has checked all CRA's tonight and no search has been recorded as yet, but she was provisionally accepted instantly, and received her agreement on Friday morning, is this normal.
Yep, if she passes the credit score straight away.
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