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Coronavirus - How we can support you

If you're experiencing financial difficulties due to the current coronavirus situation, we’ve got some online options that could help and a dedicated set of answers to questions we're getting asked the most.

Find out more

Top 5 queries

I’ve forgotten my Online Service login details – what can I do?

It's quick and easy to get back online, you will need your Credit Card to reset your Online Service access.

If you have forgotton your Customer ID, you can request an email reminder. Once you enter the requested details we will send you a reminder to your registered email address.

If you have forgotton your Password or Passcode, you can reset these online. We will send you a 6 digit One Time Access Code to your registered mobile phone to get you back into your account.

If you would like more information about our online service and how to sign in, check out our how to guides.

How do I make a payment?

Our Virgin Money Credit Card mobile app is the quickest and easiest way to manage your account - you can download it via the App Store or Google Play, just search for Virgin Money Credit Card.

You can also make payments via Online Service. If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

Here are the payment options available:

  • Transfer money from your bank current account – To make an electronic payment you will need to use sort code 40-64-25, bank account number 41320424 and quote your 16 digit Virgin Money Credit Card Number as the payment reference.
  • Direct Debit – You can make payments by Direct Debit on a monthly basis, the Direct Debit will collect on your monthly due date. You have the option to pay the minimum payment, a regular fixed payment or the full statement balance. Please remember your Direct Debit will be collected regardless of any additional payments made. You can set up or amend a Direct Debit online by logging on to Online Service or in our mobile app.

    Please Note – If a statement has already been produced and you set up a Direct Debit online. The Direct Debit will not take effect until the following month.
  • Debit Card – You can make a one-off debit card payment via our mobile app or Online Service by choosing ‘Payments’ from the menu, then ‘Pay by Debit card’ and following the instructions on screen. If you would prefer to make a payment by debit card over the phone, just call us on 0800 011 3210 to use our automated phone service.

When is my first payment due?

Your first payment will be due 20 days after your first statement is produced, you will receive an e-mail when your first statement is ready to view online.

Alternatively, if you need paper statements, you can change your options via Online Service. Select Services, there you will see Update your account, where you can Manage your statement options.

Is it easy to transfer a balance from another card?

Yes, it is straightforward to transfer a balance, you can do this via our mobile app.

Remember though, you will need to do this within the first 60 days for you to receive the introductory balance transfer offer. You can use our balance transfer calculator to find details on our introductory offers, including any fees we charge. Don’t forget – promotional offers start from the date your account is opened, not from when you transfer your balance.

How to do a balance transfer via the mobile app

  • Just tap the ‘Payments’ icon and follow the instructions. Read the ‘Important information’ carefully before you complete the transfer.
  • To complete the transfer, you'll need your password. This will be at least 8 characters chosen from 3 or more of these categories: numbers, upper case letters, lower case letters and special characters (such as *!@?).
  • Please check your transactions to make sure your balance transfer request has been completed as expected.
  • If you have frozen your card your balance transfer won't be approved.

Don’t have our mobile app? Head to the App Store or Google Play and search for Virgin Money Credit Card.

What's a one-time passcode?

A one‐time passcode is a unique six digit number we’ll text to your mobile. It can only be used once, and for security reasons will only work for a short amount of time. If you have any problems getting hold of your passcode, make sure you get in touch. We might need to check we have the right number for you.

We’ll never call, email or ask you for your one‐time passcode, so please don’t share it with anyone. One‐time passcodes are used to register for our Online Service, sign in to or change details on your online account, verify some requests you make and to confirm it’s you when you make a card transaction online.

Applying for the card

Will I be approved for a card?

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.
  • I have an income of at least £7,000, or my household income is at least £15,000.

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 Experian link opens in a new window/tab for a copy of your credit file.

How long will it be before I hear?

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.

Can I cancel the agreement if I change my mind?

You can with withdraw from your agreement within 14 days from the day after you receive your Virgin Money Credit Card.

You can do this by writing to us at:
Virgin Money Credit Cards
PO Box 10234
Wigston
LE18 9FA

You can also call us on 0800 011 3210. View our contact centre opening hours.

Remember, you must repay any balance and interest within 30 days of the date you tell us you want to cancel your agreement. You will not have to pay any other charges and you can repay your balance in full at any time.

If you wish to cancel the agreement outside of the cooling off period you will need to call our Customer Services Helpline on 0800 011 3210. Please note – your account must have a zero balance. View our contact centre opening hours.

About the card

How do I activate my card?

Our Virgin Money Credit Card mobile app is the quickest and easiest way to activate your card. If your card is inactive, you will see the option to activate your card on the summary screen. Alternatively you can select Card, there you will see the status of your credit card, if it's already active, Yes will be displayed on the screen.

You can download our mobile app via the App Store or Google Play, just search for Virgin Money Credit Card.

You can also activate your card via our Online Service. If your card needs to be activated you will see a link displayed on Your account summary.

If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

Can I manage my Credit Card through an app or online?

Our mobile app is the easiest way to manage your account. You can make a payment, view your statements, freeze your card and set up or amend a direct debit.

Don’t have our mobile app? Head to the App Store or Google Play and search for Virgin Money Credit Card.

You can also use Online Service to manage your account, including manage your credit limit.

If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

How long does it take to receive a replacement card?

You can request a replacement card via Online Service. Once you've signed in, select Services, there you will see Manage your account and Request a replacement card.

Once you’ve told us you need a new card you should receive your replacement in 5-7 working days.

If you’ve not yet registered, or would like help signing in to your Credit Card account, check out our how to guides.

Can I use my Virgin Money Credit Card abroad?

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 – just look out for the Mastercard® logo.

If you use your card to make a purchase or withdraw cash in Euros, Swedish Kronor or Romanian Lei when you’re in one of the countries of the European Economic Area (EEA), we won’t charge you a Non-Sterling Transaction Fee. Just go to www.gov.uk/eu-eea PDF opens in a new window  for a full list of these countries.

When you take money out in those currencies from a cash machine in the EEA, you won’t have to pay a Non-Sterling Transaction Fee either – but you will still need to pay a Cash Advance Fee.

If you'd like to speak to us while you’re abroad just call +44 191 284 9005. If you ring the international number from a landline, you can reverse the charges through the international operator. View our contact centre opening hours.

What's the minimum amount I'll need to pay off each month?

Each month you must pay at least the minimum payment in pounds sterling as shown on your statement.

This will be the greater of:

  • £25, or your whole balance shown if it is less, or
  • the interest, any default charges and annual card fee, plus 1% of the remaining balance.

The minimum payment must reach your account by the payment date shown on your statement.

Why was my card declined recently?

There are a number of reasons why a credit card transaction could be declined. Sometimes, it just happens if there is a problem with the terminal or the connection when you make a purchase. At times we will decline a transaction to protect you and your credit card account, which we know is not always convenient. Here are a few things to check if you’ve had transaction declined recently:

  • Are you over your credit limit? – check your balance and recent transactions, you may have made a purchase that has taken you over your authorised limit. If you are over your credit limit, you can make an immediate payment via the mobile app using your debit card, which will update your available to spend balance, usually within 15 minutes.
  • Are your payments up to date? – Using the mobile app or Online Service check if your payments are up to date. You will also find your payment due date on the front page of your statement. Your transaction will be declined if you fail to maintain your minimum monthly payment.
  • Have you chosen to freeze your card? – Check if you have frozen your card in the mobile app, unfreezing is easy by going to the Card page in the mobile app and following on-screen instructions.
  • To protect you and your card, occasionally Virgin Money may decline credit card transactions – we do this if we believe a transaction to be suspicious or we have reason to believe you may not have made the purchase. If you have exhausted the options above and are concerned about why a transaction was declined, please contact us.

Can I spend over my credit limit?

No, you are not able to spend more than your credit limit. We understand that there may be times when you are not aware of how close you are to your credit limit, or you make a large purchase that takes you over your agreed limit.

It’s important for us to make sure we’re doing everything we can to protect our customers from borrowing more than they can afford to repay. This means we will decline your transaction if we know it will take you over your credit limit. Doing this means you are less likely to lose any promotional offers on your account, or suffer any negative impact on your credit rating.

You can request a credit limit increase after your 7th statement, simply login to Online Service, select Services, under Manage your account, you will see Request a credit limit increase. While it is not guaranteed, we will do our very best to accommodate your request.

If you’ve not yet registered, or would like help signing in to your Credit Card account, check our how to guides.

Can I still use my card if I’ve missed any payments?

No, you will not be able to use your credit card if you have missed a payment and your account is in arrears. It’s our responsibility to make sure we’re doing everything we can to protect our customers from borrowing more than they can afford to repay. It’s important to maintain your minimum payments to avoid losing any promotional offers and avoiding any negative impact on your credit rating, which may affect your ability to access credit in the future.

If you have been impacted by coronavirus and you are worried about not being able to make your next payment in the short term, then you may be eligible for a payment holiday. Please complete this short form to request a payment holiday.

If you are struggling to meet your monthly repayments, we are here to help. Please contact us to discuss the options available to you.

If you have had a change in circumstances, or if you have multiple creditors, then you may want to consider getting some free independent financial advice or help on dealing with all your creditors from one of the following agencies;

Balance transfers and money transfers

What is a balance transfer?

A balance transfer allows you to move part or all of the balance of another credit card or store card to your Virgin Money Credit Card.

If you have existing high interest credit or store cards, transferring any outstanding balances to your Virgin Money Credit Card could save you money (fees apply). You will not be able to transfer a balance to this account from another card issued by Clydesdale Bank PLC (including Virgin Money, Virgin Atlantic, Clydesdale Bank, Yorkshire Bank or ‘B’ credit cards), a non-UK financial organisation or from certain store cards.

Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

Is it easy to transfer a balance from another card?

Yes, it is straightforward to transfer a balance, you can do this via our mobile app.

Remember though, you will need to do this within the first 60 days for you to receive the introductory balance transfer offer. You can use our balance transfer calculator to find details on our introductory offers, including any fees we charge. Don’t forget – promotional offers start from the date your account is opened, not from when you transfer your balance.

How to do a balance transfer via the mobile app

  • Just tap the ‘Payments’ icon and follow the instructions. Read the ‘Important information’ carefully before you complete the transfer.
  • To complete the transfer, you'll need your password. This will be at least 8 characters chosen from 3 or more of these categories: numbers, upper case letters, lower case letters and special characters (such as *!@?).
  • Please check your transactions to make sure your balance transfer request has been completed as expected.
  • If you have frozen your card your balance transfer won't be approved.

Don’t have our mobile app? Head to the App Store or Google Play and search for Virgin Money Credit Card.

Can I transfer my store card balance to my credit card?

Yes, you are able to balance transfer store cards that have a Visa or MasterCard logo to a Virgin Money Credit Card. If your store card does not display the Visa / MasterCard logo the balance transfer request will not be processed.

Can I do a balance transfer from an American Express card?

You can only complete a balance transfer from an American Express card that is underwritten by a UK Financial Organisation. Please note – some American Express cards have UK Company branding (such as British Airways) but are underwritten by a US Bank. If in doubt, please check with your provider.

How long does a balance transfer take?

Usually, it takes 2 – 3 working days to transfer funds from a Virgin Money Credit Card to your existing credit card provider following an accepted application.

We may need to complete necessary additional checks which may slightly increase the time it takes for the transfer to complete.

What is a money transfer?

A money transfer is a feature of the Virgin Money Credit Card. It allows you to transfer funds straight into your bank or building society account.

Whether you want to transfer funds to pay off an overdraft with a higher interest rate, or free up some money for home improvements, you can transfer money from your Virgin Money Credit Card directly into your own bank or building society account.

A transaction fee may apply and you will need to request your money transfer within the first 60 days of opening your account to receive the introductory promotional offer.

Transferring funds from this card and paying only the minimum payment amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

You should not use your card to repay a loan, overdraft, or mortgage issued by Clydesdale Bank PLC (including Virgin Money, Clydesdale Bank and Yorkshire Bank).

How much is the money transfer fee?

If you are looking to move money from your credit card to your current account and want to find out how much your fee would be, then you can go to our money transfer calculator to work this out for you. All you need to do is enter how much you would like to transfer and we will do the rest.

How long does a money transfer take to reach my account?

Usually, it takes 2 – 3 working days to transfer funds from a Virgin Money Credit Card to your nominated current account following an accepted application. We may need to complete some necessary additional checks, this may slightly increase the time it takes for the transfer to complete.

Interest and charges

Where can I find out about your charges and interest rates?

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:

PDF Icon

How is interest charged on my Virgin Money Credit Card?

Interest is charged based on the average daily balance on the account. First we work out your daily interest charge by multiplying your interest rate by the average balance at the end of the day since your last statement was produced. This daily interest charge is then multiplied by the number of days since your last statement was produced. We do this for each type of balance (e.g. card purchases, balance transfers) to give the total interest charge on your account.

For more details on how interest is charged, you can read this handy guide.

PDF Icon Understanding how your interest is charged(Opens in a new window/tab)

How is my balance paid off?

We will repay balances with the highest interest rates, before repaying those with lower interest rates.

Where we charge interest on multiple promotional balances at the same rate, we will pay off the balances in the order that the promotional offers expire (for example, a balance with a promotional rate that ends in two months time will be paid off before one that ends in six months time).

Where promotional offers expire at the same time, we will pay off the balances in the following order: Money Transfers, Balance Transfers, Card Purchases. We will always pay off existing balances that appear on your statement, before any new transactions that you have made, but are not yet shown on a statement.

When does my promotional offer end?

You can find out when your promotional offer(s) expire by checking page 4 of your statement. You can view your statement via the Virgin Money Credit Card mobile app or Online Service.

Viewing your statement via the mobile app

Tap the 'More' icon then 'Statements' to then download them. It's important to remember you may be charged for using mobile data to do this. On some devices, you may be able to email your statements too.

Don’t have our mobile app? Head to the App Store or Google Play and search for Virgin Money Credit Card.

Viewing your statement via Online Service

Select Statements, there you can view or down your statement.

If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

Contactless payments & security

Is it a secure chip and PIN card?

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.

If you need a reminder of your PIN you can view this in Online Service. Find out more at myvirginmoney.com/PIN

You have the option of changing your PIN at an ATM to one you find easier to remember.

What is contactless?

Contactless symbolContactless payments let you pay for items of up to £45 or less without having to key in your PIN, making shopping for everyday items so much simpler.

Just look out for the contactless symbol when making a payment. You’ll need to carry out your first transaction using your PIN. After that, you can pay quickly and securely for purchases up to £45 using contactless. Just tap and pay.

Every now and then you will be asked to confirm your identity, by completing a transaction using your PIN.

How does contactless work?

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

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

    Remember, you will need to make a transaction using your PIN to activate contactless on your Virgin Money Credit Card.

Every now and then you will be asked to confirm your identity, by completing a transaction using your PIN.

Are contactless payments secure?

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 and 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.

What's a one-time passcode?

A one‐time passcode is a unique six digit number we’ll text to your mobile. It can only be used once, and for security reasons will only work for a short amount of time. If you have any problems getting hold of your passcode, make sure you get in touch. We might need to check we have the right number for you.

We’ll never call, email or ask you for your one‐time passcode, so please don’t share it with anyone. One‐time passcodes are used to register for our Online Service, sign in to or change details on your online account, verify some requests you make and to confirm it’s you when you make a card transaction online.

Managing my account and statements

I've had a refund to my credit card and my account is now in credit, how do I get this money into my bank account?

Your account must be in credit before you can request a refund. If you have a credit balance on your credit card account, we can return this to your bank account in one of the following ways:

In the mobile app – the fastest way to get your credit balance is by completing a Money Transfer in the app. If your account is in credit and you don’t use your card until the money is in your bank account, then the interest and fees disclosed in the app will not be charged.

  • First, confirm your up to date credit balance on the main summary page in the app. This will take in to account any recent spend and it’s only this amount you can transfer
  • Go to Payments and select Money Transfers.
  • Select the first rate option, agree to the terms, and enter the transfer amount, and your bank details. Please note this must be an account held in your name.
  • Follow the steps on screen, including entering your Mobile App password. This is the password you setup when you first downloaded the app- don't worry if you can't remember, you can reset it in the app, you’ll need your card to hand. Once you’ve confirmed your password the transfer will be completed. Money will be in your bank account by the end of the next business day for any transactions completed before 4pm. E.g. If you process a transfer on Friday at 3pm, the funds will be in your bank account by the end of the business day on Monday.

In Online Service – as the balance in Online Service doesn’t include transactions made in the last day or so, you can ask for a credit balance refund by sending us a secure message. To send a message, go to Services and select Send Message. Please include your bank details in the Secure Message. Please be aware that these requests are actioned within 5 working days, we will send you an email when there is a reply in Online Service so you know the request has been completed.

If you’ve not yet registered for Online Service, or would like help signing in, check out our how to guides.

My personal details are incorrect, how can I update them?

You can update your email and home address via Online Service. Once you've signed in, select Services, there you will see Manage your profile, update email address and update address.

Your home address will be changed immediately, however any correspondence recently produced may be sent to your previous address.

To update your mobile or landline telephone number sign into Online Service and send us a secure message, please include the current number we have on our records and the new number that you wish us to use going forward.

We are very busy supporting customers at the moment, please have patience while we process your request.

If you’ve not yet registered, or would like help signing in to your Credit Card account, check out our how to guides.

How do I sign in to Online Service?

Proceed to the Online Service login screen, enter your Customer ID and select sign in.

You will be asked for random characters from the password and passcode you set up at registration.

You will also be prompted to enter a six digit passcode. This will be a unique code, text to your registered mobile number.

Don't worry if you can't remember your login details, it's easy to get back online - you’ll need your card to hand.

If you have forgotton your Customer ID, you can request an email reminder. Once you enter the requested details we will send you a reminder to your registered email address.

If you have forgotton your Password or Passcode, you can reset these online. We will send you a 6 digit One Time Access Code to your registered mobile phone to get you back into your account.

If you would like more information about our online service and how to sign in, check out our how to guides.

How do I get my statement?

You can view your statement via the Virgin Money Credit Card mobile app or Online Service. We will send you an email to let you know when your statement is ready to view.

Mobile app

Tap the 'More' icon then 'Statements' to then download them. It's important to remember you may be charged for using mobile data to do this. On some devices, you may be able to email your statements too.

Online Service

Select Statements, there you can view or down your statement.

If you have access to a printer, you can download and print copies of your statements via the app or online service.

If you need paper statements, you can change your options via Online Service. Select Services, there you will see Update your account, where you can Manage your statement options.

I’ve forgotten my Online Service login details – what can I do?

It's quick and easy to get back online, you will need your Credit Card to reset your Online Service access.

If you have forgotton your Customer ID, you can request an email reminder. Once you enter the requested details we will send you a reminder to your registered email address.

If you have forgotton your Password or Passcode, you can reset these online. We will send you a 6 digit One Time Access Code to your registered mobile phone to get you back into your account.

If you would like more information about our online service and how to sign in, check out our how to guides.

How do I make a payment?

Our Virgin Money Credit Card mobile app is the quickest and easiest way to manage your account - you can download it via the App Store or Google Play, just search for Virgin Money Credit Card.

You can also make payments via Online Service. If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

Here are the payment options available:

  • Transfer money from your bank current account – To make an electronic payment you will need to use sort code 40-64-25, bank account number 41320424 and quote your 16 digit Virgin Money Credit Card Number as the payment reference.
  • Direct Debit – You can make payments by Direct Debit on a monthly basis, the Direct Debit will collect on your monthly due date. You have the option to pay the minimum payment, a regular fixed payment or the full statement balance. Please remember your Direct Debit will be collected regardless of any additional payments made. You can set up or amend a Direct Debit online by logging on to Online Service or in our mobile app.

    Please Note – If a statement has already been produced and you set up a Direct Debit online. The Direct Debit will not take effect until the following month.
  • Debit Card – You can make a one-off debit card payment via our mobile app or Online Service by choosing ‘Payments’ from the menu, then ‘Pay by Debit card’ and following the instructions on screen. If you would prefer to make a payment by debit card over the phone, just call us on 0800 011 3210 to use our automated phone service.

When is my first payment due?

Your first payment will be due 20 days after your first statement is produced, you will receive an e-mail when your first statement is ready to view online.

Alternatively, if you need paper statements, you can change your options via Online Service. Select Services, there you will see Update your account, where you can Manage your statement options.

How do I make a change to my payment due date?

Please contact us if you would like to make a request to amend your current payment due date. This includes if you have a Direct Debit set up and you wish to change the date it is collected.

You can request a change to your due date once your account has been open for 15 days and requests are limited to once per 6 months.

What does ‘Sorry our Mistake’ / ‘Mistake all fixed’ mean in my list of transactions in Online Service?

We have been completing some system maintenance which means you may see some transactions labelled 'Sorry our mistake' / 'Mistake all fixed' in your Transactions Summary.

We apologise for any confusion this may cause, but rest assured these transactions will not affect your monthly balance, or what you owe, and your account will continue as normal. You will not see these transactions on your monthly statement.

How can I increase my credit limit?

If you wish to request an increase to your credit limit you can do this via Online Service. Here you can submit a request, while it is not guaranteed, we will do our very best to accommodate your request.

If you’ve not yet registered, or would like help signing in to your Credit Card account, check out our how to guides.

How can I decrease my credit limit?

You can request a decrease to your credit limit at anytime by sending us a secure message via Online Service. Please include the current credit limit and the new lower credit limit you wish to have.

If you’ve not yet registered for Online Service, or would like help signing in to your Credit Card account, check out our how to guides.

Alternately you can contact us to discuss your request.

How can I change my address?

You can update your home address via Online Service. Once you've signed in, select Services, there you will see Manage your profile, update address.

Your home address will be changed immediately, however any correspondence recently produced may be sent to your previous address.

How can I change my name on my account?

If you are changing the name on your account we required a certified copy of the legal document confirming the change (i.e. Marriage Certificate, Deed Poll Document etc).

Please also include a short covering letter explaining the reason for the change. Please include your Virgin Money Credit Card number and sign in both your old and new signature.

Please forward these documents to:
Virgin Money Credit Cards
PO Box 10234
Wigston
LE18 9FA

Where can I find my most recent card number?

You can find your 16 digit card number at the front page of your statement. We don't send paper statements, you can view your statement via the Virgin Money Credit Card mobile app or Online Service. We will send you an email to let you know when your statement is ready to view.

Mobile app

Tap the 'More' icon then 'Statements' to then download them. It's important to remember you may be charged for using mobile data to do this. On some devices, you may be able to email your statements too.

Online Service

Select Statements, there you can view or down your statement.

What is persistent debt?

The Financial Conduct Authority (FCA) have undertaken a study looking at how customers use their credit cards. As a result, credit card providers are working on putting additional support in place to help customers clear debt quickly and avoid incurring additional interest and fees.

You can find out more about persistent debt at myvirginmoney.com/persistentdebt.