should I wait?

almost_there

Hi all, I've currently got card with cap 1 and have about 1years worth of nice green (0s). My adverse data falls off my files in 2 months this will just leave my mortgage(up to date) and my credit card.


This may be a silly question! but should I apply now for a mainstream card or wait 2 months?

Also how are Virgin to get acccepted by? or should I be applying elsewhere, once my adverse data has gone. Thanks M

Moggles_2

almost_there wrote: »

This may be a silly question, but should I apply now for a mainstream card or wait 2 months?

Not silly, just one track minded.
I'd wait two months, If I were you

Moggles_2

almost_there wrote: »

How are Virgin to get accepted by or should I be applying elsewhere, once my adverse data has gone?

Virgin is not known to score harshly, when compared with other market-leading credit cards, but bear in mind that lenders launch these spectacular deals, which are sometimes heavily advertised, to draw in new customers. Often they are flooded with applications and can afford to cherry-pick applicants.

duggie1982

As moggles says wait 2 months or 3 just to make sure the others fall off. You will have alot better chance when they are off. Vanquis is another card you could get to get the green zero's flowing.