virgin credit cards in same family

mumdawn

recently taken out a virgin credit card for the 0% finance deal. Now hubby thinking of doing the same-do the companies do a check on you personally or as a couple-is it likely to be turned down because they have recently provided me with one?thanks lots

Moggles_2

mumdawn wrote: »

Recently taken out a Virgin credit card for the 0% finance deal. Now hubby thinking of doing the same. Do the companies do a check on you personally or as a couple? Is it likely to be turned down because they have recently provided me with one?

Each applicant is scored individually, so your successful application neither helps nor hinders your husband's chances.

Btw, if you share a financial product with someone else (eg. joint bank account), then you are financially linked and the management of your own affairs could have a knock-on effect on his credit rating, but simply being married and occupying the same house as someone else has no effect whatsoever.

russetred

i
I got a virgin money card then 2 months later Oh successfully applied for one too.So no problem for us.

slowrunner

I just applied for a virgin card and was told they would let me know in 7 to 10 days. Normally, I get an instant yes, I wonder why not this time as my credit history is good.

King_Weasel

Moggles wrote: »

Each applicant is scored individually, so your successful application neither helps nor hinders your husband's chances.

Does this still apply if mumdawn's husband was a second cardholder on her account? I would assume it still makes no difference.

Moggles_2

King_Weasel wrote: »

Does this still apply if mumdawn's husband was a second cardholder on her account? I would assume it still makes no difference.

That's right. It makes no difference.

mumdawn

thanks lots for all the info.
regarding the query about virgin confirming a successful application-well they took longer than they said for me-I think it was just over 2 weeks-but ok in the end.