Virgin 0% credit card

BigBilly

Hi

I have just telephoned Virgin credit card. I applied for their credit card 4 weeks ago.

Before I applied I checked my credit report and it came back with a 999 score.

I'm pretty good at paying my credit back but am ten pounds over my limit. However I have never missed a payment in 5 years.

They said that if I was 1p over my limit that I was in breach of my credit limit and that therefore would not let me have the card. If I run my existing card below the limit for six months then they probably will.

Is it a question of computer says no ?

Anyone else had an experience of this ?

The lady at Virgin said that they did not use credit scores .

I'm looking for a credit card with a decent interest free period - obviously one that uses credit scores would be good.

I have not applied for a credit card for 5 years.

withnell

That number is all very nice, but each company uses its own credit scoring procedure.

You may not have missed a paymrnt, but if you're over your limit that would suggest you were more of a risk than if you weren't!

nomoneytoday

If you are over your limit, then your score in the real world won't be 999.
Not that it matters, as Credit score company aren't lending the money...