MBNA Application

jckh14

Hi guys, so I applied for a MBNA card last night, I didn't get an instant decision and it said they would get back to me in 7-10 working days.

However this morning I received an email from them saying 'Great news! Your application for a MBNA Virgin Atlantic Credit Card Account is now complete and your credit limit will be £X,XXX'

However I try to call last night and this morning and both times got the automated service with it being a bank holiday saying I'd been unsuccessful on this occasion. If I have been declined why would they send me a email this morning telling me i'd been accepted?

Any ideas? Thanks.

boo_star

jckh14 wrote: »

Hi guys, so I applied for a MBNA card last night, I didn't get an instant decision and it said they would get back to me in 7-10 working days.

However this morning I received an email from them saying 'Great news! Your application for a MBNA Virgin Atlantic Credit Card Account is now complete and your credit limit will be £X,XXX'

However I try to call last night and this morning and both times got the automated service with it being a bank holiday saying I'd been unsuccessful on this occasion. If I have been declined why would they send me a email this morning telling me i'd been accepted?

Any ideas? Thanks.

Wait and see?

They'll inform you via email or post either way.

mcmaze

Some credit applications can't be processed at certain times because credit reference agencies won't be available, For example if you apply for a nationwide credit card after midnight it asks you to apply later after 6am.
I assume your application was saved on their databases, then later the next day when the cra data was available, it was processed and accepted. So i guess your application was successful, but no harm in calling them to make sure.

jckh14

mcmaze wrote: »

Some credit applications can't be processed at certain times because credit reference agencies won't be available, For example if you apply for a nationwide credit card after midnight it asks you to apply later after 6am.
I assume your application was saved on their databases, then later the next day when the cra data was available, it was processed and accepted. So i guess your application was successful, but no harm in calling them to make sure.

I think you were right, I called this morning and answered a few security question and then he approved my application I can finally get rid of my Capital One card!

Anthorn

I took the compulsory Eligibility Check (soft search) on the MBNA site for the 6.6% APR low rate Mastercard but was turned down but offered an alternative at 11.9% BT/spend/advance and then went to full credit search and was instantly approved. Low limit to start of £800.00 though. I don't even see that card on their web site and I suspect it's the same card with a higher APR and lower limit. Card and PIN within 7 - 10 days. Something of a feather in my cap - haven't had a prime CC since 2007 when I crashed along with several Banks.

Edit: Yes, the same low rate card at a higher interest rate. Just received an email from MBNA which looks to have been delayed: "Great news! Your application for an MBNA Low Rate Credit Card has been approved ..."