Clearscore / Noodle 95% approved

Helping_Hands

I am looking for a new, lower rate interest credit card for someone as gradually rebuilding their credit. Previously bankruptcy now fallen off, along with defaulted accounts. They have held a Capital One Card for the last 12 months and have paid in full each month. They also have a catalogue account which again is paid off in full each month.


Going through the credit card checker on ClearScore and Noodle they are being offered a Virgin Money Credit Card now showing 95% approved, two days ago it was showing 100% approved. Is it worth applying for, I don't want to take the risk of a Credit Search if it is not going to worth applying for.

[Deleted User]

Well, 95% is still pretty good. Although hopefully that stat came from Noddle, rather than a bowl of Noodles.

You can always be rejected, whatever the %. But if you don't want to take the risk, it means never applying for anything.

Helping_Hands

Deleted_User wrote: »

Well, 95% is still pretty good. Although hopefully that stat came from Noddle, rather than a bowl of Noodles.

You can always be rejected, whatever the %. But if you don't want to take the risk, it means never applying for anything.

Noodles... lack of sleep! Thanks for the advice!

Superscrooge

Virgin Money have their own eligibility checker so you could also use this to confirm likely chance of acceptance.

https://uk.virginmoney.com/virgin/credit-cards/purchase-cards/

Helping_Hands

Superscrooge wrote: »

Virgin Money have their own eligibility checker so you could also use this to confirm likely chance of acceptance.

https://uk.virginmoney.com/virgin/credit-cards/purchase-cards/

Thanks for that, tried it was pre-approved, made the application and approved for the All Round Credit Card with a starting limit of £2000, should help to continue to improve their credit file again.