applying for two cards

cfc125

i am thinking of applying for a virgin credit card and also my wife wishes to apply for one at the same time.could there be any possible rasons why applying for two cards from the same company at the same time is not a good idea?or should there be be no real problems doing it ?any help gratefully received.

JoseChungsDoomsday

there maybe as there will already have been a credit check done on that addy on the same day. leave it one day apart and it should be fine

money_saver_4

I have had a number of credit cards issued to myself and my husband on applications submitted on the same day to the same credit card company.

asandwhen

I wouldn't have thought this would be a problem at all - they will judge you both on your own merits.

But have a look at lastminute.com credit card - it is a virgin card but issued by last minute has a lower admin fee for balance transfers

asandwhen

scrap that last bit about last minute - it would seem they have changed it to the same admin fee - still get £20 vouchers for lastminute though so still might be worth it.

YorkshireBoy

asandwhen wrote:

...it would seem they have changed it to the same admin fee...

This is an MBNA run, VirginMoney linked, lastminute.com badged credit card.

When someone highlighted this offering recently, the link to the apply page was broken and as such I thought this was a very old offer. However, I've just checked now and the links appear to be working, so it's obviously a current offer.

But, and this is rather a big but (if you'll pardon the expression!) the site appears to have two summary boxes for the one card!!!!!

One says 15.9% APR for cash transactions and a £35 capped BT fee, whilst the other says 20.9% APR for cash transactions and the now standard £50 capped BT fee.

Interested applicants reading the "rogue" summary box may mistakenly apply for this product based on these details. Yes, I know we should read the T&C's (which are the standard MBNA T&C's) but, due to the larger print, the summary box is so much easier on the eye isn't it?

asandwhen

hmmm how odd - probably worth a call to them - I personally think it will be the same as the virgin card.

bob_builder_2

But you should always double check the T&C (including summary box) that they send out for you to sign as these will be the valid ones not any on the website.

YorkshireBoy

bob_builder wrote:

But you should always double check the T&C (including summary box) that they send out for you to sign as these will be the valid ones not any on the website.

Fully agree bob, but my post was about making a "decision" to apply based on the information available.