Credit card refusal?
Treadway1
Posts: 826 Forumite
in Credit cards
Hi all,
Wondering if anyone can answer a puzzling question for me...
My 'first year free' Amex credit card is coming up for 12 months old, so I'm looking to transfer the points out and get a new card.
I already have the free Virgin Atlantic Card from Virgin Money, so applied for the annual fee based one, to get the bonus flying club miles offer.
However, having gone through the online process, I've been refused! Worrying my credit rating had taken a sudden nose dive, I checked Experian but it's sat at 999!
So if it's not my actual rating that's stopping me getting it, is it because I already have the free Virgin card?
Many moons ago when the VA card was run by MBNA, I had both the free and annual fee cards then (to maximise the signup bonus points), so not sure why it would be an issue now, unless Virgin Money don't like it.
Anyone else come across this or know any other reason why I might have been knocked back? Thanks in advance.
Peter
Wondering if anyone can answer a puzzling question for me...
My 'first year free' Amex credit card is coming up for 12 months old, so I'm looking to transfer the points out and get a new card.
I already have the free Virgin Atlantic Card from Virgin Money, so applied for the annual fee based one, to get the bonus flying club miles offer.
However, having gone through the online process, I've been refused! Worrying my credit rating had taken a sudden nose dive, I checked Experian but it's sat at 999!
So if it's not my actual rating that's stopping me getting it, is it because I already have the free Virgin card?
Many moons ago when the VA card was run by MBNA, I had both the free and annual fee cards then (to maximise the signup bonus points), so not sure why it would be an issue now, unless Virgin Money don't like it.
Anyone else come across this or know any other reason why I might have been knocked back? Thanks in advance.
Peter
0
Comments
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Anyone who thinks the Experian credit score means anything should read this post.
Firstly no-one will know why you have been knocked back.
Secondly, your 999 score means diddly squat as you have now realised.
Could be you already have a card with Virgin, it might be you don't fit their profile.
Might not sound helpful but only the issuer will know why and they won't tell you.0 -
You can't hold both VA Reward cards.Our most frequently asked questions
Will I be approved for a Virgin Atlantic Credit Card?
Before you apply, check the following statements are true:
...
I am not an existing Virgin Atlantic Credit Card customer and I have not closed another Virgin Atlantic credit card in the last 6 months.
https://uk.virginmoney.com/cards/products/vaa-cards?agg=HFP&product=ALL&dclid=CjgKEAiAjrXxBRCA__DevefpkzwSJACoEs859K3riRhn_ma_P9K0k!!!!xGwJJD_eoZi1LsAGum37fD_BwE&source=HFP-MUL-NA-NA-047250 -
Ah-ha! I did read through the pre-aplication bumpf but clearly missed this!
RTFQ more slowly next time, then! :rotfl:
Thanks Nick0
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