How accurate is MSE's Eligibility Checker? 31 January 2020 at 3:13PM edited 31 January 2020 at 3:13PM in Stoozing: Free Cash from Credit Cards 12 replies 593 views

cymruchris

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.

adamp87

cymruchris said:

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.

HSBC had one over the past 12 months and then suddenly got rid of it again.