The limit given is based on your personal circumstances.

Before making an application you can use Card Checker to see your chances of being accepted for a Virgin Money Credit Card. It's quick and easy and won't affect your credit rating. All you need to do is give us a few basic details.

If you decide to complete an application we'll carry out a full credit check and confirm whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

• I am aged 18 years or over (the same goes for any additional cardholders).
• I am a UK resident.
• I have a UK bank or building society account.
• I have good credit history.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experianlink opens in a new window/tab for a copy of your credit file.

We aim to tell you if we have approved your application straightaway. Sometimes, we may need to ask you for a few more details first – if we do, we’ll let you know immediately after you’ve made your application, then get in touch to request the additional information from you.

You can find detailed information about our charges and interest rates in the summary box. When you have chosen a card, the summary box PDF will be visible on the “Apply Now” page beneath the product summary at the top of the page. Here’s an example:

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If you are looking to transfer a balance from another credit or store card, in some cases you may be charged a fee to complete the transfer, usually a percentage of the transferred balance.

Yes, it is straightforward to transfer a balance online or over the phone. See our contact us page for ways of getting in touch. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer offer. Plus, the promotional period starts from the date your account is opened, not from when you transfer your balance.

If you are looking to move money from your credit card to your current account, in some cases you may be charged a fee to complete the transaction, usually a percentage of the transferred balance.