Virgin vs Capital One

Sterling_geezer

Would just like everyones opinion as to what is the best option for me?
I have approx 10k on 0% BT egg due to expire within the next 2 months (6k stooze, 4k loan).
A kind MSE poster sent me an 18m cap.one application card but after reading about the dubious practices of cap.one I am quite wary of filling it in. As I see it they may give me 18m 0% but it might be a tiny credit limit or they may give 6m BT instead. Of course theres a chance that they will honour the agreement laid out on the application but this is looking less likely (the application is valid until 1/8/05). Also there is a BT fee.
Virgin does seem better as the credit limit will likely be higher and there are no fees, but its for 9m rather than 18m.
I am not keen on applying for the cap.one card if they are going to give me a crap offer as it will likely affect my credit score.
I am strongly considering the Virgin card but is this the right choice?

Would love your opinions.

Sterling.

Cardinal-Red

Why not apply for both at the same time?

Because you apply together it's unlikely that the respective credit searches will show up on your file.

I think this is a trick commonly in use on these boards...

Galstonian

I would suggest you go for one of them then if you get it leave a month (or more) before going for the other. There is currently no reason for panic, you need a home for your £4K debt, anything else is a bonus surely?

Sterling_geezer

Cheers for the advice, just got a halifax one application in the post aswell! Will read the T&C first though. I think its likely I will apply for the Virgin card as I really don't trust Capital One all that much. Also when Virgin is up for renewal it will be Xmas so I am hoping there will be some sweet deals around.

Sterling.

Jeppo

I suspect the limit on the Capital One won't be that great, but Virgin are well known for giving decent limits. OK, it's only 9 months but that's still pretty good going especially when so many other cards are drifting towards BT fees. The really good thing about the Virgin is the £5 min. payment which makes it ideal for stoozers.