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  • FIRST POST
    • The_Bloodster
    • By The_Bloodster 6th Jul 17, 12:41 PM
    • 289Posts
    • 265Thanks
    The_Bloodster
    MSE Credit Club v Credit Card Eligibility tool
    • #1
    • 6th Jul 17, 12:41 PM
    MSE Credit Club v Credit Card Eligibility tool 6th Jul 17 at 12:41 PM
    I'm confused.


    I am looking at a new balance transfer card and I've discovered something strange.


    Today I joined the MSE Credit Club out of interest and looked at the cards and it says I have a 100% chance of being accepted for the Virgin Cards (woohoo). However when I checked the Credit Card Eligibility tool on this site yesterday it said my highest rating of acceptance was MBNA at 95%.


    So out of interest I checked the tool again and its says I'm not eligible for the Virgin Cards and its 0% acceptance!! I'm confused whats going on really, has anyone had this before and which should I trust?


    I think the MSE Credit Club could be right as its powered by Experian.


    Not sure, does anyone have any thoughts

Page 1
    • bengalknights
    • By bengalknights 6th Jul 17, 3:00 PM
    • 4,344 Posts
    • 1,595 Thanks
    bengalknights
    • #2
    • 6th Jul 17, 3:00 PM
    • #2
    • 6th Jul 17, 3:00 PM
    The eligibility will be more accurate as it runs a soft check
    • The_Bloodster
    • By The_Bloodster 6th Jul 17, 3:08 PM
    • 289 Posts
    • 265 Thanks
    The_Bloodster
    • #3
    • 6th Jul 17, 3:08 PM
    • #3
    • 6th Jul 17, 3:08 PM
    I think the MSE Credit Club does too. Also I checked my Clearscore and it also says 100% for the Virgin Card. Strange

    • Candyapple
    • By Candyapple 6th Jul 17, 3:10 PM
    • 2,866 Posts
    • 2,193 Thanks
    Candyapple
    • #4
    • 6th Jul 17, 3:10 PM
    • #4
    • 6th Jul 17, 3:10 PM
    The best way to check is on Virgin's site directly as they have their own eligibility checker.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • The_Bloodster
    • By The_Bloodster 6th Jul 17, 3:18 PM
    • 289 Posts
    • 265 Thanks
    The_Bloodster
    • #5
    • 6th Jul 17, 3:18 PM
    • #5
    • 6th Jul 17, 3:18 PM
    Thanks CandyApple


    I checked on Virgin and it says I'm pre-approved so will be accepted.


    I wonder why the Credit Card Eligibility says not with the same info.

    • MSE Chris
    • By MSE Chris 7th Jul 17, 11:23 AM
    • 79 Posts
    • 29 Thanks
    MSE Chris
    • #6
    • 7th Jul 17, 11:23 AM
    • #6
    • 7th Jul 17, 11:23 AM
    I'm confused.


    I am looking at a new balance transfer card and I've discovered something strange.


    Today I joined the MSE Credit Club out of interest and looked at the cards and it says I have a 100% chance of being accepted for the Virgin Cards (woohoo). However when I checked the Credit Card Eligibility tool on this site yesterday it said my highest rating of acceptance was MBNA at 95%.


    So out of interest I checked the tool again and its says I'm not eligible for the Virgin Cards and its 0% acceptance!! I'm confused whats going on really, has anyone had this before and which should I trust?


    I think the MSE Credit Club could be right as its powered by Experian.


    Not sure, does anyone have any thoughts
    Originally posted by The_Bloodster
    Hi The_Bloodster,

    Both the Credit Club eligibility and our independant eligibility tool are powered by Experian. There's a nifty system in place that means that lenders can't offer pre-approved on both services in quick succession. This prevents users for potentially applying for 2 pre-approved offers at the same time.

    Both tools use soft searches to calculate your eligibility so using them won't impact your score
    .
    I hope that helps explain.
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