turned down for 2 credit cards now in 4 weeks

christopher_h

Hi folks,

I applied for the GE card and like alot of people here got turned down but apparently they were very picky.

Someone suggested I apply for the Virgin card and pay the 2% balance transfer fee (I'm transferring 5k from HSBC Mastercard) but I just got turned down. I applied online then at the end of the application they asked me to call a freefone number. I asked why I had been declined and he said it's probably because I've had a virgin card before.

I was a successful card tart over the last 3 years, never incurring any charges or costs by always paying by direct debit, never missing payments and always moving cards in good time before the 0% interest period expired. I also cancelled the cards after moving on.

My credit score is very good but will it be damaged by both GE & Virgin turning me down in the space of 4 weeks ?

I have a 5k debt with HSBC Masterdcard that I wanna transfer before November - any suggestions please ?

Chris

BONJOEY

as long as you dont have lots of searches your credit should be fine xx

christopher_h

ah I see......how do I find out whether they have conducted credit searches ?

Boris666

christopher_h wrote:

Hi folks,

I applied for the GE card and like alot of people here got turned down but apparently they were very picky.

Someone suggested I apply for the Virgin card and pay the 2% balance transfer fee (I'm transferring 5k from HSBC Mastercard) but I just got turned down. I applied online then at the end of the application they asked me to call a freefone number. I asked why I had been declined and he said it's probably because I've had a virgin card before.

I was a successful card tart over the last 3 years, never incurring any charges or costs by always paying by direct debit, never missing payments and always moving cards in good time before the 0% interest period expired. I also cancelled the cards after moving on.

My credit score is very good but will it be damaged by both GE & Virgin turning me down in the space of 4 weeks ?

I have a 5k debt with HSBC Masterdcard that I wanna transfer before November - any suggestions please ?

Chris

Try AMEX they are currently on an approval spreee :beer:

BONJOEY

you will have to check your dredit file, through experian or equifax, both offer a free trial, you could find out straight away!

The_Boss

My suggestion, as well as checking the crdit files as stated above, would be to not apply for another card until October. Have you got a Barclaycard? If you apply through them, they will credit check you on Equifax, whereas GE and Virgin would have credit checked you on Experian - so these wont show up when Barclaycard do a search.

christopher_h

Cheers guys for your help - I absolutely love this website and forums