Have I been officially refused?

Jbit2

Hi all

I am looking for a new balance transfer card as my current 0% runs out in a few weeks.

I have a Virgin CC & recently applied for a 0% Virgin balance transfer card as, looking at the guides on Virgin Money it referenced transferring a balance from another Virgin CC, I thought 'Great - I can get have 2 Virgin CCs, lets apply for the 0% balance one'.

A few days later I received an email stating 'Unfortunately, as you already have a credit card issued by Virgin Money, we are unable to issue you another card at this time.'

Does that count as an official refusal? I initially thought yes but it was a very short email, doesn't used the word decline & the phrase 'unable to issue you another card' sounds more like I've requested a new card for the same account. Its also been a while since I've been refused a credit card so I can't remember the typical decline/refusal wording....

Am i being unrealistically optimistic?! or is it an obvious & official rejection?
Will it stop me applying for another 0% CC (MBNA) in the next few days?

Any advice/thoughts are much appreciated

Cheers

bazzyb

Jbit2 wrote: »

is it an obvious & official rejection?

Yes.

Jbit2 wrote: »

Will it stop me applying for another 0% CC (MBNA) in the next few days?

No. But it would make sense to do an eligibility check before applying.


Incidentally, Virgin Money make it very clear on their website before applying that you can’t transfer a balance from another Virgin card - so even if you had been approved then it wouldn’t have been much use to you in that respect.

Jbit2

Evening & thank you for confirming

I've done an eligibility check on here & it was 95% and am pre-approved on the MBNA site but there it states not to apply if I've been declined in the last month...

[Deleted User]

They mean declined by themselves. Not just anyone.

Jbit2

Thanks all.
I'll actually apply for the MBNA card if it's not going to be an issue with the recent decline

Cheers

jimbo26

Jbit2 wrote: »

Hi all

we are unable to issue you another card at this time.'



Cheers

It says they won't issue you with a card, so sounds very much like a refusal to me, not sure you could read it any other way TBH