Virgin Credit Card - The card that gives you plenty of breathing space

You can apply for a Virgin Credit Card if you can answer YES to these 3 questions:

• Are you 18 or over?
• Do you live in the UK?
• Do you have a bank or building society account?

You can apply on this website. It’s easy, only takes a few minutes, and is totally secure.

If you prefer, you can apply over the phone by calling 0800 096 9939. Lines are open 7.30am - 10pm Monday to Friday, 8am - 9pm Saturday, 9am - 9pm Sunday.

That’s certainly the aim. But we take our responsibilities as a lender seriously so we do have to take into account your age, status and financial background.

The limit given is based on your personal circumstances. If you’ve got a high salary and low debts, you’re more likely to get a higher credit limit.

We aim to give you a decision immediately and, if your application is successful, we'll send you your card within 7-10 working days.

If you have any questions in the meantime, please contact our customer helpline on 0800 015 0306. Our lines are open 24/7 all year round.

You can run your Virgin Credit Card account 24/7 using our online service or by calling us anytime on 0800 015 0306 - whichever is easier for you.

Yes, it only takes a few minutes online, or by calling us on
0800 015 0307.

Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer rate (2.98% handling fee applies). Plus the 16 months at this rate starts from the date your account is opened, not from when you transfer your balance.

Also, as the Virgin Credit Card is issued by MBNA, remember you can't transfer a balance from another credit card issued by them.

You can use your Virgin Credit Card at over 20 million shops, restaurants, petrol stations and over 1 million cash machines in most countries throughout the world.

For up-to-date information or advice on using your credit card worldwide or to withdraw cash, please call our customer helpline, available 24 hours a day on Freephone 0800 015 0306.

Yes - every card comes with chip and PIN built in, giving you the most up-to-date protection against card crime.

Having a PIN makes it harder for anyone else to use your card if it gets stolen or lost.

When you get your card, your PIN will follow in a different envelope. You then have the option of changing your PIN to one you find easier to remember.

You'll find detailed info about our charges and interest rates in the summary box for your Virgin Credit Card before you apply.

For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% in the first 16 months from the account opening date*. After that we will charge the standard interest rate which applies to transactions of this type on any of the balance still outstanding. This offer only applies to transactions made within the first 60 days from the account opening date.

For card purchases we will charge interest at the rate of 0% in the first 3 months from the account opening date. Then the standard interest rate for card purchases will be charged for any of the balance still to be paid off.

Promotional rates will no longer apply from the beginning of any statement period during which an account holder has breached their terms and conditions.

On cash transactions your standard rate will be 27.9% APR (variable)*.

If you don't pay off your balance in full, your repayments will be allocated to balances at the lowest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance at the promotional rate which ends first.

It's particularly handy to know this if you've transferred a balance to your card, and then use your card for cash withdrawals.

*There is a handling fee. See the summary box for full details.

If you don't pay off your balance in full, your repayments will be allocated to balances at the lowest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance at the promotional rate which ends first.

Please note, this applies whether or not the lower interest rate transactions have appeared on your statement yet.