Virgin Credit Card Application Advice

smytt

I have just applied for a Virgin Credit Card and I'm not sure if I might have done this wrongly. The form asked about credit cards and the balances on these, I filled this in. However, I have a loan and i didnt enter any information about this, I'm worried that I should have declared it? Will this affect my application? Also can you set a date they take payment? (hopeful that my application will be successful!)

Thanks

paulwellerfan

why dont you phone them up and tel them you made a mistake.
then you can fill in an application over the phone.
and yeah you can tell them what date you want your DD paid

never-in-doubt

Actually the loan element won't matter too much as it wouldn't flag their internal score unless affordability was brought into question at which time it would be referred to underwriting who would then ring the applicant and ask if they had a loan!

You cannot pick the DD date for a credit card as payments come off 14 days after statement date. This is industry standard and if MBNA allow a payment date then everyone would milk this in order to benefit from more than the usual 56 days interest free periods....

oscar52

never-in-doubt wrote: »

You cannot pick the DD date for a credit card as payments come off 14 days after statement date. This is industry standard and if MBNA allow a payment date then everyone would milk this in order to benefit from more than the usual 56 days interest free periods....

True, but you can ask for your your statement production date to be moved which has the same effect of moving your payment due date.

never-in-doubt

oscar52 wrote: »

True, but you can ask for your your statement production date to be moved which has the same effect of moving your payment due date.

True, sorry didn;t think about that lol :beer:

Innocent_Guy

I think the section that the OP was refering to was the BT section? If so there would be no need to enter in any info regarding the loan?

Brian64

smytt wrote: »

I have just applied for a Virgin Credit Card and I'm not sure if I might have done this wrongly. The form asked about credit cards and the balances on these, I filled this in. However, I have a loan and i didnt enter any information about this, I'm worried that I should have declared it? Will this affect my application? Also can you set a date they take payment? (hopeful that my application will be successful!)

Thanks

I recently applied and got acepted for the virgin card.I only filled in the section on credit cards and the balances and i have 2 loans so i don't think it will be a problem.

Innocent_Guy

Brian64 wrote: »

I recently applied and got acepted for the virgin card.I only filled in the section on credit cards and the balances and i have 2 loans so i don't think it will be a problem.

Well done on the acceptance Brian!

never-in-doubt

Brian64 wrote: »

I recently applied and got acepted for the virgin card.I only filled in the section on credit cards and the balances and i have 2 loans so i don't think it will be a problem.

Now then stranger - where have you been hiding? What limit/apr did you get mate?

don't you come to the sub-prime anymore being you're now mainstream? lol

Brian64

Innocent_Guy wrote: »

Well done on the acceptance Brian!

Thanks Innocent,

Innocent_Guy

Brian64 wrote: »

Thanks Innocent,

No probs mate, I'm dead jealous.