| QUICK GLANCE |
|
| TYPICAL APR: 15.9% variable |
| INTRO CHEQUES: 0% (9 months) |
| BALANCE TRANSFER: 0% (9 months)
|
| INTEREST FREE PERIOD: 56 days |
| DEFAULT CHARGES: £25 |
With the Balance Transfer Virgin credit card you can get some great offers
including 0% on balance transfers (a 2% handling fee applies) for 9 months , 0% on creditcard cheques for 9 months. After the introductory period, you then pay their standard typical Annual Percentage Rate of just 15.9% variable.
Some of the great benefits of the Balance Transfer Virgin credit card are - Loyalties you collect on purchases, which in this case is 1 point for £1. Other added features of Virgin credit card are
- free purchase protection
- a fraud guarantee
- no annual fee!
As for card designs, you can also choose from
3 colours, red, black or pink.
Checking on your card balance, statement and recent transactions, paying household bills or transfering a balance are made easy via your online account management.
Company Info:
Virgin Money aims to offer you a wide range of great value financial products that are easy to understand and sort out. Virgin also try to put something back by supporting vaious local and national charities, including organising cancer fund raising event
Balance Transfer Virgin credit card details
Below you will see all the different rates, charges, features and benefits of a Balance Transfer Virgin credit card...
| Virgin credit card FEES and RATES |
| TYPICAL APR: |
15.9% variable |
| ANNUAL FEE: |
£0 - there is no annual charge for this creditcard |
| BALANCE TRANSFER RATE: |
0%
for (9 months)
|
| BALANCE TRANSFER FEE: |
2% (Min £3, Max £50) |
| INTRO CHEQUES RATE: |
0% for 9 months |
| CASH WITHDRAWAL RATE: |
20.9% - charged when getting cash out on the card |
| CASH WITHDRAWAL FEE: |
2% (minimum £2) |
| FOREIGN TRANSFER FEE: |
2.75% - overseas commission charged when using the card abroad. |
| Virgin credit card OTHER CHARGES |
| LATE PAYMENT FEE: |
£25 - Charged if you are late on one of your payments |
| EXCEED ALLOWED LIMIT: |
£25 - Charged if you go over your agreed limit |
| UNPAID DIRECT DEBIT: |
£25 - Charged if you have insufficient funds for a direct debit |
| CARD REPLACEMENT: |
£0 - If you would like a replacement card, this is the cost |
| ADDITIONAL CARDS: |
£0 |
| PRINTED STATEMENT: |
£0 - if you require a copy of your statement. |
| Virgin credit card EXTRA REWARDS & BONUSES |
| LOYALTIES ON PURCHASES: |
1 point for £1 - See below for more details |
| PURCHASE PROTECTION: |
£15,000 - Items over £50 (and no more than £1,000) for 100 days |
| FRAUD GUARANTEE: |
Yes |
| Virgin credit card PAYMENTS |
| MIN MONTHLY PAYMENT: |
2.00% (minmum £5) - Unless your balance is ?0 in which case you don't pay this payment. If your balance is lower than ?5, then you pay the balance. If you have payment protection, you pay fees associated with that on top of other obligations |
| ALLOCATION OF PAYMENTS: |
|
| INTEREST FREE PERIOD: |
56 days - Excludes cash withdrawals and balance transfers when not at offer rate. You must clear you balance within this period to avoid interest. |
| INTEREST CHARGING INFO: |
Card purchases, balance transfers, credit card cheques and cash transactions: you will be charged interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. Virgin work out interest each day so the earlier you make payment, the less interest you will have to pay. |
| Virgin credit card OPTIONAL EXTRAS |
| Payment Protection: |
In the event of not being able to make your regular payments, you can get additional cover at added expense. See when applying for further details. |
| ABOUT THE Virgin credit card |
| SUPPORT: |
|
| CREDIT LIMIT: |
Maximum £50,000 - overall level allocated usually depends on your credit rating |
| REQUIREMENTS: |
Minimum age required is 18+. Other requirements are UK resident, UK bank/building society account. |
| MONEY MANAGEMENT: |
Online and telephone |
| CARD TYPE: |
Mastercard - this is the intermediate company that handles the transactions |
| CONTACT ADDRESS: |
Discovery House, Whiting Road, Norwich, NR4 6EJ |
Balance Transfer Virgin credit card's Reward Points system in detail
For every £1 you spend on your card, you earn 1 reward point. You can spend them how you like in the Virgin card Members Shop containing money-off deals, special offers exclusive to cardholders, bargain CDs, DVDs, wine, mobiles, cosmetics, books, travel offers etc from a large range of Virgin and partner companies.
As you can see there are many benefits to getting Virgin credit cards, so apply today!
DISCLAIMER: This information was correct as of the Virgin credit card website and at time of printing. Please check when you apply any details that are important to you
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