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I had a 0 percent chance of getting a Virgin credit card across all of the comparison style eligibility checkers (including the MSE one) - I tried the eligibility checker on Virgin's own website - and it was approved immediately. I also had a 0 percent chance of getting a Sainsburys credit card - again tried the Sainsburys site - and it was also approved immediately.I also had a 40-70 percent chance of getting an Amex across the various eligibility checkers - but on the Amex direct websites checker - they gave me 0.5 out of 10 (5 percent) - so didn't apply.It works both ways - but the best option always in my view is to use a credit card providers own eligibility checker. It's just a shame that some banks still don't use them - HSBC/John Lewis/Tesco etc.
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