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Applying for 1st Credit Card - Great Credit Score, But Thin File
With all this free time suddenly on our hands I thought I would do something productive and look into opening my first credit card. I don’t ‘need’ one, but it’s been on my to do list for a while to build credit and have extra protection for buying things like flights. Step one to this was checking my credit score, and due to having next had much in the way of credit before, I was expecting a pretty poor score. I was shocked to find out my Experian score is 999, although I have a pretty thin file.
From there, I did a soft search eligibility checker on the MSE Credit Club on an array of credit cards and found I had a ‘100% chance’ of being accepted to a virgin money 0% spending card.
However the John Lewis partnership one appeals to me more (vouchers!), though the only issue with this is that JL are not on soft search eligibility checkers - the only way to get an inkling of if i’ll get accepted is by applying.
I know my credit score is very good, however with it being a thin file i.e not really much data on me to look at, is applying for the John Lewis one too much of a risk? Should I just apply for the Virgin one that seems I should have no problems getting accepted into? I don’t want to hurt my credit score by being applying for JL and getting rejected.
For context, I’m 28, single, currently living with my parents and due to redundancy 6 months ago along with loss of work again due to Covid 19, my income has taken a hit. It is over both the thresholds for each card, however.
Apologies if this post seems like a mountain out a molehill, I’m completely new to this so appreciate any advice.