Does this mean Ive been accepted and will get a credit card?

Whitebeast

Sorry to sound dumb, but does this mean I have been approved? I signed up via the link on here when I put my details in to check eligibility and was approved with only Virgin, which I'm surprised about, as I have a poor credit score. Abit surprised I got approved still, Is this just a pre-approval before another check?

la531983

Reads as an acceptance to me.

PixelPound

Third tick - when your cards will arrive. Sounds like acceptance. Read the pre-contract and sign (or not) 

CliveOfIndia

Yes, that reads as having being accepted.

Do make sure that you read and understand your T&Cs carefully.  I say "your" T&Cs because they are often tailored to each individual customer, depending on your credit history and financial status.  Particularly the credit limit, APR and any promotional offers - the advertised rates only have to be given to 51% of successful applicants.  It's quite possible that you may have been offered less favourable conditions than the "headline" offers.

Not that it's a problem - but do make sure you check your particular offer carefully, don't just assume it'll be the headline offer(s) advertised.

surreysaver

Looks like it. Virgin tend to use hippy type language, which can come across as vague and annoying, si you might want to get used to that.

Desmond_Hume

Why are you surprised you got approved? Do you not think you’re in a position to have a CC? 

Whitebeast

Desmond_Hume said:

Why are you surprised you got approved? Do you not think you’re in a position to have a CC? 

No its more the fact I have a poor credit score and when I used Martin Lewis credit card application thing to see what I was pre-approved for Only one was virgin. So I was surprised with my low score, they accepted me, that's all. I have 0 debts just in the pass I have

CliveOfIndia

Whitebeast said:

Desmond_Hume said:

Why are you surprised you got approved? Do you not think you’re in a position to have a CC? 

No its more the fact I have a poor credit score

As is repeated on these forums ad nauseam, the score dished out by the CRAs is utterly meaningless - indeed, it's not even visible to a lender.  A lender looks purely at the raw data contained in your file, runs it through their internal algorithms, and comes up with their own internal score.

Since each lender will have different lending criteria, different risk appetites and different target customer bases, one lender may very well reject an application whilst another will accept it.

Crucially, since neither the CRAs (nor anyone else) are party to a particular lender's confidential criteria, there cannot possibly be a one-size-fits-all score.  The CRA score is, at best, a very rough guesstimate as to how most lenders might view you.