Pre-approved
You have been pre-approved for a Virgin Money Credit Card.
Thank you for completing an eligibility check for a Virgin Money Credit Card.
Please remember for our decision to remain the same it is important you apply on the same day and provide us with the same information you entered on the uSwitch website, and of course that you pass all our usual fraud and anti-money laundering checks.
Good news!
You’ve been pre-approved for the product shown below. If you choose to apply for a different Credit Card we’ll need to reassess your application.
Balance transfers
0% for 26 months then 20.9% p.a. (variable)
Money transfers
0% for 26 months then 22.9% p.a. (variable)
Purchases
0% for 26 months then 18.9% p.a. (variable)
Balance transfer fee
2.90% fee
Money transfer fee
4.00% fee
All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. 5% handling fee will apply to any balance and money transfers made after the first 60 days.
If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.
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If you don't want to apply online you can call us on 0800 389 2875. Lines are open 24 hours a day, 7 days a week.
Before you start your application, please check the following statements are true
At the end of the application process we'll carry out a credit score and we'll tell you whether you've been approved. In some circumstances, we may need some additional information and we'll take into account your age, status and financial background. Before you apply, check the following statements are true:
You won't be approved if you are bankrupt or in an IVA, you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian for a copy of your credit file.
During the application you'll need:
At the end of the application:
By choosing to apply I confirm I have read the summary box Link opens in a new window
Your card will automatically be set up with online statements. If you prefer paper statements, you can ask for these to be sent to your home address once your account is up and running.
Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.ukLink opens in a new window
Your copy of the Statement of Lender and Borrower Responsibilities PDF opens in a new window
If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. When a promotional rate ends or is withdrawn, we charge the current standard interest rate that applies to that transaction.
You will not be able to transfer a balance from another Virgin Money Credit Card and should not use your card to repay other borrowing from Virgin Money.
Credit is available, subject to status, only to UK residents aged 18 or over.
Calls are charged at your service provider's prevailing rate and may be monitored and recorded.
The Virgin Credit Card is issued by Virgin Money plc - registered in England and Wales (Company No: 6952311). Registered office - Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
