Just for fun (while sunbathing in garden ), I visited the MSE Credit Club and tapped on 0% Purchase for X months credit card eligibility. (It had featured in the weekly email).
To prove it’s a farce and cannot be relied on (which I never did anyway), these two results, for the same card, yielded contrary decisions:
So, basically, you could say that I have been pre-approved for rejection
That looks more like a bug to me. How did you get those two contradictory decisions? Do they appear on the same page, or did you go into it twice and get different results?
I just scrolled down.
There was a 0% accepted at a 27.9% rate two.
One search, three results on same 12mth card
Don’t need any more credit cards anyway.
Already have 7, including a 0% for 24mths that’s still live.
I suspect that’s actually 2 very similar products, with some subtle difference.
Edit - yep they’re different. See the text below the product name. Congrats - Virgin Money don’t categorise you as a ‘poor credit scorer’.
Eligibility checkers aren’t “myths”, they’re just deliberately very fuzzy. That said if it says pre-approved then you are pre-approved for that product; notwithstanding something the checker can’t deal with (i.e. a record Virgin have on their own systems which means they won’t offer you credit).