Who has their act together on applications?

HLK

I'm looking for a new 0% card to BT to before May. I haven't had my tart alert yet, but panicking a bit after reading all the horror stories on here re how long it takes for an application to go through. Got a pretty good credit score so I hadn't expected a knockback but well, those horror stories again.

Can anyone suggest a card company that has their act together ? I would like time to apply for a second card if the first one doesn't come through..
Currently with Abbey
Thanks

accountnurse

My most recent card is from Virgin (MBNA). I applied on line August last year, the whole process took less than 3 weeks.
Probably too long ago to be useful to you though!

YorkshireBoy

accountnurse wrote:

My most recent card is from Virgin (MBNA).

Since MBNA also run the Abbey card, the OP will not be able to BT to any MBNA run card.

To the OP...

Before applying for a new card, check out Who Owns Who to make sure you don't waste a credit search.

oops_a_daisy

OMG didnt realise HSBC owned M&S card - rats was going to BT and just sent off application form to M&S

OOPD A DAISY

HLK

Thanks yorkshireboy - I did apply last year for a virgin card but they knocked me back although they were very nice about it and said I had an excellent credit score. The decision was based on the fact I had an abbey card already , I had forgotten about it. So I just rang abbey, told them the story and they gave me a 0% for 9 months. So I'm aware of the MNBA thing, just didn't know where to find the table of who owns what - so thanks again.

Someonw must be able to recommend an non MNBA card - with a reasonable credit limit and a not too bothersome application process.

HLK

oops_a_daisy wrote:

OMG didnt realise HSBC owned M&S card - rats was going to BT and just sent off application form to M&S

OOPD A DAISY

Hiya oops - all maybe not lost as I've just read this on the stoozing forum YB gave.

HTH

oops_a_daisy

fingers crossed then because I dont want to apply for another card just yet as it might affect my credit rating to apply so soon - thanks for that


OOPS A DAISY

YorkshireBoy

HLK wrote:

Hiya oops - all maybe not lost as I've just read this on the stoozing forum YB gave.

HTH

Yes, but that thread was about 'holding' the two cards at the same time - I *think* oops a daisy wanted to BT between them which is not allowed.

oops_a_daisy

yes Yorkshireboy - I was planning to BT from HSBC to M&S - Im not called OOPS A DAISY for nothing

HLK

Sorry about that..

YB - been reading up on threads in stoozing and an item brought me to mind that I got a Cap 1 invitiation for July 2007 a couple of days ago.. I couldn't see a BT fee.. so must find where I stashed it.

HLK

Can ayone advise on time it takes to get an egg card - i.e time to be in aposition to BT? Thanks.