Virgin card and another MBNA card - not possible

pin

Applied for a Virgin card to take advantage of the 9 month interest free period. However got declined because I already have another MBNA card (Conran). Did offer to reduce the credit on my Conran card. Was told it is now MBNA policy that you can only hold one MBNA card - the person on the phone refused to budge.

Tis a shame...

Beancounter

Is this only for other MBNA cards or does it include the actual MBNA branded card?

I recently was accepted for a Virgin card despite having an MBNA card too. I was able to shift my credit limit from the MBNA to Virgin too.

Reaper

Just out of interest do you know if they did a credit search on you? If this is a new rule which applies to everyone then I would hope they checked their own records first and discovered you already had an MBNA card and stopped there.

Beancounter

I would assume they did a search although I can't say for certain. I did have to wait a few days for acceptance, not sure if Virgin might approve online?

Maybe this is a recent rule change? I was approved 2 weeks ago.

pin

Didn't ask if they had done a credit search. They just said you have another MBNA card and therefore you can't have another one. Worth while trying to call again to speak to another operator?

Krisp_3

Hello

Virgin don't approve online. I've just received approval from them in the post after applying online and from memory I think the website said that the information goes to MBNA in the US for approval.

By the way, I've received a limit of £12,000 from them, despite having several cards with a combined limit of £30,000+ (most of that being empty, by the way!). Are MBNA less strict on their tests, I wonder?

tenby_deckchair

mbna much less stricter than most other cards.Virgin and cap one best at the moment for b.transfers.

ps still doing the free £50 offer through c/direct.PM me for details how to get your free £50

HLK

Same thing happed to me... see my reply to Martin's 'cast iron' post' The Virgin guy said my credit rating was excellent but because I have an abbey card (not used for 7 years or so) I can't have another MNBA (Virgin) card.

Guess what, I've decided I'd rather have none!..

realaledrinker

Virign searched Experian when I was declined about 6m ago because I already had a MBNA Platinum

Jimney

Just been on phone to Virgin was told you can have up to 4 MBNA cards (including Virgin) looks like it depends who answers the phone?

pin

Interesting... I guess I will try and call again and see what they say....