Is a credit card payment holiday the right thing for me?

If you are worried about not being able to make payments in the short term, then you can use this form to apply for a payment holiday for up to three months.

Our FAQs below may help answer any questions you have so take a quick look. The quickest and easiest way for you to apply is to use the form provided.

You must be the primary cardholder to complete this form. If you're not, you should ask the primary cardholder to complete it.

If you have more than one Virgin Money Credit Card or Virgin Atlantic Credit Card, you'll need to complete a form for each card. If you are a Clydesdale Bank, Yorkshire Bank or B credit card customer then you must use the form on their website instead.

Once we have received your form we'll come back to you in the next 7 days to confirm if your application has been successful and when your payment holiday will begin if applicable.

You must continue to make at least the minimum payment on your statement until we confirm that your payment holiday has started.

A credit card payment holiday is a break from having to pay your minimum payment for up to three months.

You must be the primary cardholder to apply. If you're not, you should ask the primary cardholder to complete this form.

Any primary cardholder can apply for a payment holiday but it is not the only solution we can offer you. Once you have applied, we will work to identify the most suitable solution based on your situation. For example, you might need more support if you have had a permanent change to your circumstances or you're in arrears.

It is important to remember that you'll still be charged interest like normal during your payment holiday.

Any promotional rates will continue to apply and they'll still last for the same amount of time.

You will need to arrange to cancel your standing order during the period of the payment holiday.

If you pay by Direct Debit, it will be suspended and we won't take any payments until the payment holiday has ended. If we can't suspend your Direct Debit, we may ask you to speak with your bank to cancel it.

At the end of the payment holiday, your account will go back to your normal minimum payments. Your minimum payment may increase because it'll include any interest charged during your payment holiday as well as any new spending that has taken place during this period.

We will make sure that the payment holiday doesn't have a negative impact on your credit file.

If you ask for a payment holiday, we'll review your request. If we can give you a payment holiday, we'll get in touch to confirm when it has started. If we can't offer you a payment holiday then we will get in touch with you to discuss alternative options.

You must continue to make at least the minimum payment on your statement until we confirm that your payment holiday has started.

What if I need more help?

There's more information about how we can help you in the coronavirus support section of our website. You can also get advice from a number of charities and not-for-profit organisations, like the ones listed below:

Already taken a three month payment holiday?

If you have already taken a three month payment holiday, please do not use this form as we will be unable to process your request. Instead please complete this credit card payment holiday update form to help us understand more about your circumstances.

Apply for a payment holiday

When completing our form, please try to be as accurate as possible when filling in your details. The best way to do this is to provide the information as it is displayed on your statement.

Please indicate why you are applying for a payment holiday.

If your income has been permanently impacted (i.e. this will likely extend past the next 3 months), then select that option.

If you've had a temporary change to your income (i.e. your ability to maintain payments will return to normal after 3 months) then select that option.

The information collected here will only be used to process your application for a payment holiday.

We won’t update your account with the contact details you use in this form. We’ll only use them to help find your account and to get in touch if we can’t contact you using the information we already have. You can update your contact details in Online Service.

We will always treat your data with respect – you can find out more details in our Privacy Policy Link opens in a new window/tab