Virgin money how long before you can reapply?

Bisoy

Hi guys,

I used to have a Virgin money which I have closed in January so how long before I can reapply with them? I would appreciate any replies.

midnite

If you closed it in January you should be OK to reapply if my experience is anything to go by.

I closed mine in Oct/Nov last year and re-applied for a new one in Jan this year and was approved no probs.

Bisoy

midnite you mean to say that they let you re-apply within 2-3 months of closing your card? are you sure about it?

Moggles_2

Bisoy wrote: »

I used to have a Virgin money which I have closed in January, so how long before I can reapply with them?

Virgin accepts applicants a month or so after closure.

It's advisable to check your credit reports though, to make certain the account is actually closed down and marked "settled" before you re-apply

YorkshireBoy

Moggles wrote: »

Virgin accepts applicants a month or so after closure.

For exactly the same card Moggles?

And it that based on your recent experience?

Moggles_2

YorkshireBoy wrote: »

For exactly the same card Moggles?
And it that based on your recent experience?

Not me, personally.

A family member was told over the phone recently, she could reapply more or less straight away. Does this conflict with your experience?

YorkshireBoy

Moggles wrote: »

Does this conflict with your experience?

I don't have any personal experience Moggles. I've had my card over 3 years, and because of an almost continuous 0%/0.9% (fee-free/capped fee) over that period I haven't had to close and re-apply.

midnite

Bisoy wrote: »

midnite you mean to say that they let you re-apply within 2-3 months of closing your card? are you sure about it?

Yes I closed about 5 or 6 cards at the back end of last year not too long before xmas. I then started my stoozing activities in Jan this year.

Can't give you exact dates as I dont have my old account history but yes it was something like 2-3 months and it appears Moggles knows of a similar experience.

Bisoy

To get the definite answer I've rang MBNA application department today and the CSA told me that I could re-apply immediately once my card is closed so Moggles and midnite were right. She has also told me that if your application has been declined then you need to wait for at least 6 mos. to make another application which I was already aware of.

So I'm preparing myself for another repeat Virgin application for my other 2 stooze cards that are due in August.;)