Your Virgin Credit Card opens the door to a world of Virgin discounts. Money off holidays, wine, music, DVDs and 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 28 million shops, restaurants, petrol stations and over 1.5 million ATM cash machines in 160 countries throughout the world.
Who can apply for this credit card?
You must be over 18, a UK resident and have a landline phone number to get a Virgin MasterCard credit card. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.
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 legals, terms and conditions.
What benefits do you get with your Credit Card?
Best balance transfer intro rates at 0% for 16 months, plus you get a whole range of benefits from free travel accident insurance, which covers you up to £100,000. Plus travel inconvenience and lost luggage insurance cover, full details will be sent once your account is opened. In addition you get:
10% off at Virgin Media
10% off at Virgin Megastores
10% off at Virgin Wines
20% off at Virgin Experience Days
One month off at Virgin Active
10% off at Virgin Holidays
10% off at Virgin Trains
10% off at Virgin Money Car, Home, Pet and Annual Travel Insurance.
What are the default charges?
Virgin credit card charge £12 for going over your credit limit, paying late, or payments that bounce.
What is the minimum payment that I will need to make each month?
1% or £25, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your credit card balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.
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 Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Credit card provided by
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.
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