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Looking for Super Transfer, - Virgin Card app declined - Good credit

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Hi,

I am looking to get my hands on £2000 or so for a trip. £1000 of which I already owe to someone.

I have only been here a little over a year and only been at my address 3 months and previously lived in a Pub.

So I applied for the virgin card, with plans to organise a 'Super Transfer' but have been declined, Im assuming because of me not being here long etc.

Min income is £10000, mines about £20000, credit rating should be very good.. so cant think of much else.

anyone got any ideas? or am I just stuck.

Cheers.
Stuart.

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
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    If you look at the bottom of this page http://www.stoozing.com/0fees.php it suggest the MBNA card criteria is much tougher than MBNA say (virgin is an MBNA card). I'm not totally sure how accurate it is but would be worth considering.

    When you say you have only been 'here' over a year do you mean a UK resident? Most mainstream banks won't give credito products until someone has been a UK resident for 3years.

    When you say your credit rating should be very good what credit products do you currently have?
    A smile enriches those who receive without making poorer those who give
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  • StuartGemmill
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    Thanks Tixy


    Mortgage... but back in nz.
    credit cards are always paid..

    currently 2 cards.. both from NZ 1 with 1500 limit... 1500 available. the other with 2500 limit, 2100 available...

    Ie.. I only owe $400.

    And yes i'm only here on a visa, so i'm thinking that is possibly a big part of it.

    I could put my trip on those cards.. but... i know it wont be cheap... both are about 30 days interest free.. then something like 21%

    Stuart.
  • izools
    izools Posts: 7,513 Forumite
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    Thanks Tixy


    Mortgage... but back in nz.
    credit cards are always paid..

    currently 2 cards.. both from NZ 1 with 1500 limit... 1500 available. the other with 2500 limit, 2100 available...

    Ie.. I only owe $400.

    And yes i'm only here on a visa, so i'm thinking that is possibly a big part of it.

    I could put my trip on those cards.. but... i know it wont be cheap... both are about 30 days interest free.. then something like 21%

    Stuart.

    You'll find it near to impossible to get your hands on a "prime" credit card with sub-30% APR and four figure limit until you've been here for three years and build up some credit history with sub-prime, low limit, high APR cards like we all have to start with at some point :o

    How long are you here for?
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  • StuartGemmill
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    undecided at the moment... work will keep me on if I want....

    but.. could be as little as for another year.
  • izools
    izools Posts: 7,513 Forumite
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    I hate to say it but in that case you'll have to lump with your NZ cards, I'm afraid :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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