MBNA Platinum

peelprincess

Hi everyone. I have had a Vanquis card for 18 months - gone from £500 to £1750 limit (and to the "gold" card - woo haha!). Never missed a payment, pay by direct debit blah blah. Anyway, I thought today would be the day to try and transfer the balance (£1000) to a more mainstream card.

I applied for the MBNA Platinum 16.9% with 0% transfers and after doing the online decision thing, it came up with "you have been accepted for 24.9%" etc etc, which I am happy with as it is nearly half of the APR of my Vanquis card.

Once I had accepted that, it said "we will notify you of whether your application has been successful within 5-7 days", so I am now confused. Have I been accepted or not?? :rudolf:

BenL

Provisionally accepted, they will now do extra checks to ensure you are who you say you are and check against your last few applications to see if you have told them lies about salary etc.

These are often run overnight in batches.

I think it is just a standard response and you will be fine.

Ben

CLAPTON

whyever have you run up a debt of 1,000 on your credit card ?

bengalknights

as BenL says its just a precautionary check they do usually the card arrives 7 days later with a congratulation and welcome to MBNA letter.

peelprincess

CLAPTON wrote: »

whyever have you run up a debt of 1,000 on your credit card ?

Because unfortunately, I have not been as good with money as some people. I know it's not a great idea to spend on such a high interest card, but I have.