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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
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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
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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
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