Virgin Balance Transfer Credit Card

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 8am - 9pm Monday to Friday, 9am - 9pm Saturday, 9am - 7pm 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.

Your statement will be available 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 (2.99% 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.

If you want to transfer money from your credit card to your bank account, you can do this by making a 'Money Transfer'. You can ask to make a Money Transfer when you apply for your Virgin Credit Card, or you can call us once you receive your card on 0800 015 0307.

Remember though, a 4% handling fee applies and you will need to request your Money Transfer within the first 60 days of opening your account to receive the introductory promotional rate.

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.

Contactless payments let you pay for items of £15 or less without having to key in your PIN.

It's all about making purchases on your Virgin Credit Card as hassle-free as possible. So when you're buying everyday things like coffee or lunch, you don't have to search around for cash. Just hold your card in front of the reader for a few seconds, and off you go.

Here's why you're better off with contactless:

• It's fast – hold your card close to the reader, wait for the beep or the green light and you're done.
• It's secure – you're in control because your card never leaves your hand.
• It's handy – like having the exact cash you need, when you need it.

Contactless payments are quick and easy. Here's what you need to do:

• Tell the retailer you'd like to pay with your contactless Virgin Credit Card.
• Hold the card against the terminal.
• Wait a second or two until you see the green lights or hear a beep.
• Off you go – if you need a receipt, just ask the retailer for one.

Yes. Contactless payments put you in control because your card never leaves your hand. For added security you'll occasionally be asked to enter your PIN. And just like Chip & PIN transactions, you won't be liable for any fraudulent contactless transactions made with your card.*

* If your card is lost or stolen, you'll incur no liability for fraudulent use of your card provided you notify us as soon as you realise your card is missing, or you notice any unusual transactions on your account.

The terms and conditions which apply to your credit card will apply when making contactless payments. We may change your terms and conditions or add new ones at any time, but will always tell you when we do.

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

For balance transfers and money transfers we will charge interest at the rate of 0% in the first 20 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.

On cash advances your standard rate will be 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 rates will apply. Full terms and conditions are sent with your card for you to keep.

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

Yes, you can use your card at over 20 million shops, restaurants, petrol stations and over 1 million cash machines in most countries throughout the world.†

But don’t forget, if you buy something with your Virgin Credit Card whilst abroad there's a foreign exchange fee of 2.99%. And if you need some emergency cash, remember to factor in the normal cash advance fee too.

If you'd like to speak to us while you’re abroad just call +44 1244 673 101. Call the operator and ask to reverse the charges.

† For more information on using your credit card abroad or withdrawing cash, you can call our customer helpline free, 24 hours a day, on 0800 015 0306.

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.