Virgin, Capital One and MBNA

galileo

Have recently applied for these three cards all in the same day.

Does anyone know how long it will be before I hear the outcome of my applications?

danuk

i applied online for virgin and once i clicked submit info was told i could have one and the credit limit too.... Capital took three days when i applied previously....

clio

Won't you be declined because Virgin and MBNA are infact same company??

NickX

clio wrote: »

Won't you be declined because Virgin and MBNA are infact same company??

You can have multiple MBNA cards though Clio

I have heard of people holding up to 5 separate MBNA cards at any one time.

Only thing is they may reduce the Credit Limit accordingly, but they also allow you to move Credit Limts across from card to card.

I like MBNA :beer:

clio

Aghhh didnt know that cheers, btw Nick Virgin do a 95% of your credit limit when doing a BT. how do you work out 95% say off 6000, have i got the right figure 5700

NickX

clio wrote: »

how do you work out 95% say off 6000, have i got the right figure 5700

Yes 95% of £6000 is £5700

Nice amount of cash to stooze straight to an interest bearing account. :beer:

reeceem08

HI
I APPLIED ONLINE A COUPLE OF MONTHS AGO FOR CAP1 AND THE SYSTEM DIDNT GIVE ME AN INSTANT DECISION SO I PHONED THEM UP 30 MINS LATER AND I WAS TOLD THERE AND THEN I HAD BEEN ACCEPTED AND TOLD THE CREDIT LIMIT TOO SO ONLY THEN WAITED FOR PAPERWORK TO COME AFTER THAT.
:rotfl:

Volcane

Virgin & Capital One informed me within 10 working days (Virgin by text and email before I got the letter!).

galileo

Just to update everyone, I received two consecutive texts...one from MBNA platinum and one from Virgin (also MBNA) this morning informing me I've been approved for both cards. Don't know credit limits yet but after I've loaded by existing 11,500 limit from A&L (also MBNA) onto the new MBNA cards my limit should be up to at least 15 or 16k! Happy days!

I applied for the cards last Tuesday online so it would seem a decision takes about 4 working days.

Thanks for everyone's help.

donaldd

I applied online last Wednesday for Capital One's* Platinum card, offering 0% on purchases and balance transfers until 1 September 2009, followed by 12.9% APR. The result of the application timed out so I rang them. Was told that the application went through okay but that they have pre-approved me for a different card 0% until 1 February 2009, followed by 19.9% APR.

According to moneysupermarkets smart search my credit profile is Excellent.

I was surprised at being offering such a rubbish card. and told them to cancel the application there and then.

clio

DolanldD That smart search is only a guide and is infact not very accurate..