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.

To help the planet you’ll get your statements online. As it is not being sent in the post we'll send you an email to let you know when your statement is ready to view online.

Once you've received and activated your new Virgin Credit Card you'll need to register for online service to view your paperless statements. If, in the future, you'd prefer to receive paper statements - you can change your options in online service.

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 promotional 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 separately. You then have the option of changing your PIN to one you find easier to remember.

The interest rates and fees you pay depend on which of the two promotional rates you choose when you apply for a Virgin Credit Card. You can choose:

• 0% on balance transfers for 14 months* and 0% on card purchases for 3 months (see summary box), or;
• 0% on balance transfers for 12 months* and 0% on card purchases for 12 months (see summary box).

*Rate applies to transfers made in the first 60 days. Handling fee of 2.98% applies.

When a promotional rate ends, interest is charged at the standard variable rate on the balance outstanding.

Cash withdrawals are charged at a higher separate rate of 27.9% p.a. (variable).

If you break the terms and conditions, for instance if you’re late with or miss a monthly payment, your promotional rates are automatically withdrawn and the standard variable rate will apply. Full terms and conditions are sent with your card for you to keep.

If you don't pay off your balance in full, your repayments will be allocated to balances at the highest rates first. If you have balances attracting the same promotional rate, we will allocate your repayments to the balance with the earliest start date - and if the start dates are the same, repayments will come from the one with the highest standard rate.

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

See how it works.