Virgin Credit Card Review
Overview
Your Virgin Credit Card opens the door to a world of top notch Virgin discounts. Money off holidays, wine, music, DVDs, car insurance. just by paying with your Virgin Credit Card. You'll find a whole host of money-off deals like discounts like 10% off at Virgin Megastores, Holidays and Wines.
You can use your credit card at 20 million shops, restaurants, petrol stations and over 1 million cash machines in most countries throughout the world.
Who can apply?
You must be over 18, a UK resident and have a landline phone number. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.
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Credit Card Application Process?
The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions.
To track your application, Call Virgin about your application - 0800 0921 321 8am - 8pm Mon to Thurs, 8am - 5pm Fri.
What are the benefits of a Virgin Money Card?
FREE Travel Accident Insurance up to £100,000
Free Credit Card Travel Covers - Travel Accident, Travel Inconvenience and Lost Luggage Insurance Cover and Up to 50 days interest free on card purchases** .
* Terms and conditions apply to all insurances. Full details will be sent once your account is opened.
- 10% off at Virgin Media, Megastores, Holidays,trains, Wines and Money Car, Home, Pet and Annual Travel Insurance
- 20% off at Virgin Experience Days
- One month off at Virgin Active
What are the credit card charge rates?
Card issue fee Free
Typical APR Rate Typical 15.9% APR variable.
Intro Offers 0% p.a. for 15 months on balance transfers* (2.98% handling fee applies) and 0% p.a. for 3 months on card purchases*
Annual renewal fee Free
Default Charges?
£12 for going over your credit limit, paying late, or payments that bounce.
What is the minimum payment I need to make each month?
If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or
if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
What is my credit limit?
They will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Where do i make a Complaint?
If you would like to make a complaint about your Virgin credit card,
you can call them on - 0800 015 0306 24 hours a day, 7 days a week.
They have procedures in place which will make sure they handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Please note that calls are charged at national rate.
Your right to cancel?
Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to Virgin money.
If you cancel this agreement, you will still have to repay any money lent to you. But if you repay all of it before your first payment is due, you will not have to pay interest or other charges.
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Main Features
Get awesome discounts like 10% off at Virgin Megastores, Holidays and Wines and more with your Virgin Money Card
Issued By:
The Virgin Credit Card is promoted by Virgin Money Limited and issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. As the Virgin Credit Card is issued by MBNA you can't transfer a balance from another credit card issued by them. For details of how your repayments are used to pay off your balance, please refer to paragraph 2f of your terms and conditions. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.
Disclaimer All credit card APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the Virgin Money agreement fully and carefully before making any agreement.
