Credit card - instant online decision, but do you ever get one?

Volcane

Let me see, from memory over the last 15 months:

Virgin Money - referred then accepted
Capital One - referred then accepted
Tesco - referred then declined
AMEX - referred then declined
A&L - instant acceptance
Ulster Gold - instant accepted
Barclaycard - instant accepted
Egg Money - instant accepted
Halifax - referred then accepted
Lloyds TSB - referred then declined
Mint - referred then declined
Citi - instant decline
HSBS - instant decline
Goldfish - referred then accepted
Post Office - referred then accepted
Abbey Zero - instant decline

akashi

Capital One Classic and Barclaycard Initial instant online acceptance. I was informed on the credit limit via letters on both the cards.

Been referred for an Abbey Zero, although I am not holding my breath on getting accepted!

MaZ_2

Instant decision for a Barclaycard Platinum card recently and i got an instant decision for a card from Virgin last night. Virgin also told me my credit limit on the acceptance page.

I haven't applied for many cards but in the past Egg, Capital One, Citi were all instant. Only time i was referred was for a Bank of Scotland card and was declined. Ironically they have been my bank for 10 years, have an Ultimate Rewards account and my mortgage with them and turned down for a poxy credit card?

I never even appealed it as i found it laughable.

monkeynews

i applied for a virgin credit card online last weekend expecting an instant decision but all i got was the " we will contact you in 7-10 days" message, i thought that was there way of saying no so wasn't really expecting to get approved, anyway this morning (Thursday) i had an email from them stating it had been approved and the limit will be a staggering £9000

rainbowdust33

monkeynews wrote: »

i applied for a virgin credit card online last weekend expecting an instant decision but all i got was the " we will contact you in 7-10 days" message, i thought that was there way of saying no so wasn't really expecting to get approved, anyway this morning (Thursday) i had an email from them stating it had been approved and the limit will be a staggering £9000

I applied for a virgin cc on thursday (a week ago today) and got the same message (we will contact you in 7-10 days) but still not heard back from them! I'm guessing this means it's a no!!

oldagetraveller

Last two have been instant online acceptance.
Tesco Clubcard Credit Card - for 12 months 0% on purchases.
M & S Mastercard - for 15 months 0% on purchases.
I can't remember if Tesco advised credit limit at application but M & S only did when they sent the card. Plus I had to sign and send a physical paper credit agreement.

Edmund0Dantes

Applied for a Virgin card, and was told that it had been successfull (and even told the credit limite - £2900). Then the said that they would confirm via email in 48.

Didnnt hear back within 48 hours but 96. I assumed that the difference was because it was a Saturday when i applied.

bluep

Just had an instant yes from Virgin over the telephone but no clue as to balance limit. Email arrived instantly for the terms/conditions and I went through, read it and accepted, but still nothing that said what the limit will be.

rainbowdust33

I've still not heard anything back from virgin!! Might apply somewhere else...

reclusive46

rainbowdust33 wrote: »

I've still not heard anything back from virgin!! Might apply somewhere else...

Just wait. You'd look desperate to credit to other lenders if you applied somewhere else anyway.