Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

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For your free Experian Credit Report, Experian Credit Score, MSE Affordability Score, unique Credit Hit Rate and your eligibility for top credit cards & loans, join Credit Club.

Finds your % chance of getting top balance transfer cards

Virgin Money 32mths BT

Will you get it?

19.9%
Rep APR

Will you get it?

19.9%

Rep APR

Virgin Money - 32 months 0%, 0.6% fee

Long 0% card with a low fee
Click here for full card info

This Virgin Money card lets you shift debt for 32 months for a low one-off 0.6% fee. Are you pre-approved?

What's the new 'pre-approval'? Virgin Money has provided info so we can tell many people they've a 100% chance of getting that exact deal (subject to passing its ID & fraud check). There's no impact on your credit score, though of course if you then apply, that marks your file.

Need-to-knows
  • If you've already got a Virgin Money card, you can't balance transfer to this one.
  • You must transfer your balance in the first 60 days to get the 0% deal. Transfers made after this time will pay 19.9% APR and a 5% fee.
  • You can also do a money transfer for 32 months 0% for a 4% fee on this card.
  • After the 0% deal ends, you're charged 19.9% interest on any balances transferred still left on the card.
  • Balance transfer length & fee: 32 months 0%, 0.6% fee
  • Minimum payment: Greater of 1% of balance plus interest, or £25
  • Min income: N/A
  • Card issuer: Mastercard
  • Balance transfer time limit: First 60 days
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR would be 19.9% (variable).

Apply now*

Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

As well as eligibility you'll get...

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MoneySavingExpert Affordability score

Lenders separately assess how much you can afford to borrow, factoring in income and expenditure. Our affordability score mimics that.

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Your Credit Score's based on what's in your credit report and is a speedy overview of how well you're managing your credit accounts.

MoneySavingExpert Real World Credit Hit Rate

What really counts is if you apply for products, will you get 'em? We show your chances of getting a basket of top credit cards & loans.

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Your address history is used to match you with the correct credit file. If you’ve lived in your current property for less than 3 years, we’ll also need your previous address.

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