Virgin Credit Card Application Advice

Brian64

never-in-doubt wrote: »

Man - I try and keep to at least 30 spliffs a day but 40 would make me cough a little LOL

40 normal cigs not spliffs but still not good:eek::eek:
Must try stopping again never seem to last longer than six weeks without lighting up again.

never-in-doubt

Brian64 wrote: »

40 normal cigs not spliffs but still not good:eek::eek:
Must try stopping again never seem to last longer than six weeks without lighting up again.

will power my man, its like me when I see a green 'apply' button...... my finger just gets drawn to the mouse pointer...... before I know it i've clicked 'submit'..... arghhhhh :eek: :eek: :eek:

Lets be honest, if I read my credit file i;d not give me credit LOL so it shows the credit system can work! True its not my fault what is on my file but still, you get my point....

Brian64

never-in-doubt wrote: »

will power my man, its like me when I see a green 'apply' button...... my finger just gets drawn to the mouse pointer...... before I know it i've clicked 'submit'..... arghhhhh :eek: :eek: :eek:

Lets be honest, if I read my credit file i;d not give me credit LOL so it shows the credit system can work! True its not my fault what is on my file but still, you get my point....

Applications are your addiction then;)

smytt

Innocent_Guy wrote: »

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?

It was the section on page 2 of the application, i said i would be interested in BT so the 3rd page was the BT section. The only debt i mentioned was credit cards not anything else. Hope i have done it right!

Also does anyone know if Virgin are generous with their credit limits?

Brian64

smytt wrote: »

It was the section on page 2 of the application, i said i would be interested in BT so the 3rd page was the BT section. The only debt i mentioned was credit cards not anything else. Hope i have done it right!

Also does anyone know if Virgin are generous with their credit limits?

Yes you done it right,i only mentioned my credit cards and not my loans and got accepted.

naijapower

never-in-doubt wrote: »

Man - I try and keep to at least 30 spliffs a day but 40 would make me cough a little LOL

Spliffs....and rizlas are harmful to your health and wealth...
pls be warned.
lol
lol

smytt

Brian64 wrote: »

Yes you done it right,i only mentioned my credit cards and not my loans and got accepted.

How long did it take to hear if your application was successful?

Brian64

smytt wrote: »

How long did it take to hear if your application was successful?

I got instant acceptance.
Applied early afternoon as i find you have better chance of instant decison during working hours.

kegan5

Removed by poster

SwissLe

When you say struggling are you missing payments? If so then you can count a card with deals out. They really do look for people with an improved or good credit history.

Your credit rating isn't harmed by single search on your file, it's multiple searches within a short period that start ringing alarm bells.

The OP shouldn't worry about the loan, but hopefully look to Super Balance Transfer to their bank account and write the loan off during the 0% period