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  • FIRST POST
    • unsure100
    • By unsure100 13th Apr 18, 8:43 PM
    • 159Posts
    • 31Thanks
    unsure100
    MBNA application approved
    • #1
    • 13th Apr 18, 8:43 PM
    MBNA application approved 13th Apr 18 at 8:43 PM
    Hi all,

    I went through an eligibility checker and MBNA BT card was pre approved, then went to full application which said approved.

    Received email to say all approved but read this paragraph;

    The great news is you've been accepted, subject to a few final checks all our applications have to go through. Once approved, your credit limit will be £7,500.

    Does that sound right?

    Thanks
Page 1
    • zx81
    • By zx81 13th Apr 18, 8:45 PM
    • 19,621 Posts
    • 20,997 Thanks
    zx81
    • #2
    • 13th Apr 18, 8:45 PM
    • #2
    • 13th Apr 18, 8:45 PM
    If that's what it says, there's no reason to disbelieve it
    • unsure100
    • By unsure100 14th Apr 18, 9:38 AM
    • 159 Posts
    • 31 Thanks
    unsure100
    • #3
    • 14th Apr 18, 9:38 AM
    • #3
    • 14th Apr 18, 9:38 AM
    I just wondered what they would need to check as they have gone through soft and hard search already and said approved?
    • A4445
    • By A4445 14th Apr 18, 10:27 AM
    • 849 Posts
    • 396 Thanks
    A4445
    • #4
    • 14th Apr 18, 10:27 AM
    • #4
    • 14th Apr 18, 10:27 AM
    Itís probably fraud and ID checks, really nothing to worry about.
    • zx81
    • By zx81 14th Apr 18, 10:28 AM
    • 19,621 Posts
    • 20,997 Thanks
    zx81
    • #5
    • 14th Apr 18, 10:28 AM
    • #5
    • 14th Apr 18, 10:28 AM
    Just final checks. No difference from ongoing checks throughout the life of the account.

    Nothing to worry about if you were honest in your application and your circumstances haven't changed.
    • nic_c
    • By nic_c 15th Apr 18, 8:27 AM
    • 1,855 Posts
    • 966 Thanks
    nic_c
    • #6
    • 15th Apr 18, 8:27 AM
    • #6
    • 15th Apr 18, 8:27 AM
    You will have been pre approved on a soft search and it will be just a standard thorough check using a hard search to make sure nothing else pops up. It also could be that yours has been selected at random for an audit check, nothing to worry about if your information is accurate.
    • labradorlove
    • By labradorlove 16th Apr 18, 10:07 AM
    • 47 Posts
    • 89 Thanks
    labradorlove
    • #7
    • 16th Apr 18, 10:07 AM
    • #7
    • 16th Apr 18, 10:07 AM
    Hi


    I was also approved for an MBNA credit card on Saturday 14th, does anyone have any idea how long these other checks will take as I put in for a Money Transfer when I applied and it said you won't need to wait for your card and pin before requesting a transfer


    Never done anything like this before so just curious of timescales


    Thank you


    Labradorlove x
    Mortgage left: £117,093
    Car savings: £2,500/£600
    OP Target 2019: £2,400/£0
    MBNA Card: £3,352/£1352 to clear

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