We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Second Credit Card question
JDC14
Posts: 439 Forumite
in Credit cards
I've had my Barclaycard Initial for 6 months now, all paid off every month.
It's got a limit of £800 and I generally spend between £100-400 on it.
Looking on Noddle (never used it before or heard too much, so not sure how reputable?), it suggests 3 different Virgin Credit Cards that I have an 8/10 chance of being accepted for - surely that's very optimistic considering I've had one subprime card for just 6 months?
Is it too soon to apply for a second card (and cancel the first) for the 3 months 0% purchases, which would allow for a purchase I'm planning to make, I could pay it off in 2 months at a push, but 3 months would be ideal!
So yeah, everyone agree that it is too soon to be looking at another card?
It's got a limit of £800 and I generally spend between £100-400 on it.
Looking on Noddle (never used it before or heard too much, so not sure how reputable?), it suggests 3 different Virgin Credit Cards that I have an 8/10 chance of being accepted for - surely that's very optimistic considering I've had one subprime card for just 6 months?
Is it too soon to apply for a second card (and cancel the first) for the 3 months 0% purchases, which would allow for a purchase I'm planning to make, I could pay it off in 2 months at a push, but 3 months would be ideal!
So yeah, everyone agree that it is too soon to be looking at another card?
0
Comments
-
I would ignore Noodle and stick with the Barlcaycard for at least a year too 18 months before looking at prime cards. (from my own experience)Can I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
-
Would you consider a Virgin Credit Card as prime?
It has a BT offer that I'm not interested in, but 3 months 0% purchases then, it's 16.8% which is clearly less than 29.9%0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards