How do I apply?
Once you have chosen a Virgin Atlantic Credit Card that suits your needs, click apply and you will be taken to our safe and secure online application.
If you have any queries with your online application, please contact us.
Will I be approved for a card?
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.
- I am not an existing Virgin Atlantic Credit Card customer and I have not closed another Virgin Atlantic credit card in the last 6 months.
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 for a copy of your credit file.
What happens if I have been declined?
If we decline to offer you a card, then we recommend you obtain a copy of your credit file from Experian Link opens in a new window
Please wait 3 months before applying again because further declines can impact your credit rating.
You can appeal a decision by writing to us at:
The team at Virgin Money
Sunderland
SR43 4JB
What's my credit limit going to be?
We cannot confirm your credit limit until you have completed an application for a Virgin Atlantic Credit Card. Once you have been approved you will be given your credit limit and this is based on your personal circumstances.
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.
When will I receive my card?
If we approve your application, we’ll send your Virgin Atlantic Credit Card to you within 7 working days.
If you'd like to ask us any questions in the meantime, please contact us.
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 Atlantic Credit Card.
You can do this by writing to us at:
The team at Virgin Money
Sunderland
SR43 4JB
You can also contact us to discuss your application.
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 contact us. Please note – your account must have a zero balance.
Can I hold a Virgin Money and a Virgin Atlantic Credit Card?
Yes - depending on your individual circumstances, you may be able to hold both cards.