New credit card application [bal trsfr] & bank A/c, same bank, 1 or 2 cr searches?

Good_£_Intentions_Matt

TOPICS:
2 credit searches for one company but 2 products?
Reclaiming credit card charges
Graduate A/Cs
Missed payments on cr cards and Loan
Credit reports


I think the best offer now for me would be to kill 2 birds with 1 stone. Get better bank a/c and lower APR credit card with same bank, Alliance and Leicester on basis that they'll do 1 not 2 searches.

Q1>
Will Alliance & Leic do 2 searches for both bank acc and cr card?
They offer cr card subject to status, what does this mean? Only prob is the 0% APR is only 9, not 12mths! 2.25% transfer fee too.

Q2>
Also they are part of MBNA group. As I already have Virgin card [also MBNA] and had temp period of missing 1 or 2 payments c 1 yr ago, would this count against me? Should I try another non-MBNA provider? I'm also claiming back credit card charges from Virgin too! Maybe this will alter their decision too!!

I need another grad acc also as HSBC charge a lot, on the plus side they offer up to 5 yr loan applications post graduation, whereas other grad acc's only do 3yr in best comparison.

grad accounts general: http://www.moneysavingexpert.com/banking/graduate-bank-accounts
grad accounts comparison:
http://www.moneysavingexpert.com/banking/1091413381,96659


I have [rough figures]:
HSBC cr crd c£1600 used out of £2500 limit, 15%APR
Egg c£2900 used out of £3800 limit 20%APR
Virgin £782 out of £1000 limit 14% APR
=c£2000 unused credit for cards

Stud/grad a/c HSBC £1600 out of 1800 overdraft. Costs c 8-10/mth, fees and int
First Direct £490 out of £550 overdraft. Cost c15/mth, fees and int
=c£250 unused credit for overdrafts

CDL [career dev loan] C£4.5k, only made v small payments instead of normal c£85/mth, due to payment probs last yr!!!!! Came to agreement to paying reduced amounts over recent year. OH DEAR!
Stud Loan c£5k - deferred

Now in better paid work.

Total debts c£17k [excl student loan. Total = c£12k]
Income [gross] c£18k / 1500/mth
Outgoings c£9600 / 800/mth

Checked credit reports and they seem remarkably good 1282 out of 1500 =4 out of 5 stars! Unbelievable.

It looks like Barclays CDL have not put details on my cr reports of the CDL loan. Also my overdrafts are showing £0 balances instead of the above current figs or overdraft levels.

Q3>
What do you think my chances are of getting good deal for bal transfer and new better grad account?