Thank you for applying for a Virgin Money Credit Card....

Dandytf

We are considering your application based on ...

Guess I have 5 days decision time, 1st 2021 Non Instant Approval.
At least I'm Aug away from Zero utilisation on existing cards.
Is there any known Acceptance examples from mse.

thanks

onlyfoolsandparking

Dandytf said:

We are considering your application based on ...

Guess I have 5 days decision time, 1st 2021 Non Instant Approval.
At least I'm Aug away from Zero utilisation on existing cards.
Is there any known Acceptance examples from mse.

thanks

You DIDN'T get instant approval from Virgin, I am at a loss at how that could happen to you.

jay1804

This is actually crazy, why do you need this many cards? Surely there isn't a lender on the market you can apply for now. 

Shakin_Steve

Gotta be nice here, or another thread will be nuked 🤐

kuratowski

I thought when you checked with virgin money's own eligibility checker, it said no; that was only a couple of weeks ago.  What made you chance an application now?

Dandytf

kuratowski said:

I thought when you checked with virgin money's own eligibility checker, it said no; that was only a couple of weeks ago.  What made you chance an application now?.

today, Good News you have really good chance of acceptance via VM site.
Though mse dropped from 100% to 95%

cymruchris

How many hard searches are there on your files now?

Dandytf

cymruchris said:

How many hard searches are there on your files now?

4 during 2021

cymruchris

Dandytf said:

cymruchris said:

How many hard searches are there on your files now?

4 during 2021

How about the cumulative 12 months - as each regular search stays for a year? And how many were successful?

(I'm interested to find out based on what appears to be a high number of applications made versus the amount the CRA's say is 'recommended')

(And - I'm not going to say anything about applying for too much credit - I'll let others mention that as appropriate)

p3ncilsharpener

Dandytf said:

cymruchris said:

How many hard searches are there on your files now?

4 during 2021

There's way more than 4.  Off the top of my head there's Barclaycard, Amex, Nationwide, RBS and Amazon CCs as well as your consolidation loan, finance with Currys and PayPal Credit and two or three applications for doors and windows.

There's no way any of them didn't check at least one of your files.

Dandytf

cymruchris said:

Dandytf said:

cymruchris said:

How many hard searches are there on your files now?

4 during 2021

How about the cumulative 12 months - as each regular search stays for a year? And how many were successful?

(I'm interested to find out based on what appears to be a high number of applications made versus the amount the CRA's say is 'recommended')

(And - I'm not going to say anything about applying for too much credit - I'll let others mention that as appropriate)

No idea credit months were from Feb or March 21, not a month or year earlier.
I didn't see many 100 'recommended 'i.r.c. 
Most were i 90's range including 2 from rbs-possible 3rd from them, though of no current use.

thanks