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How we can help you manage your finances

Dealing with money worries is never an easy task. But simply ignoring the situation and hoping everything gets better is never the answer. If you find you’re having difficulty meeting your monthly Virgin Credit Card payments, here are some steps to help you get back on track

  1. Take a fresh look at your budget. If you can see what’s coming in and going out on a monthly basis, you’ll have a better understanding of your finances. To help with this we’ve provided a monthly budget form, so you can track your income and expenses.
  2. Prioritise your spending. The debts you should pay first are called priority debits. These aren't necessarily the largest debts or the debts with the highest interest rate. For more information on prioritising your debits visit the Money Advice Service .
  3. Talk to us. We understand speaking to anyone about financial worries can be difficult. We’re here to help and work with you to ensure the best possible outcome. Don’t put off talking to us until the situation gets out of hand. The sooner we hear from you, the quicker we can work with you to get you back on your feet.

Budget planner

We can help you work out a budget by adding up your monthly bills and looking at other financial commitments. By thinking about everything from gas and electricity bills, to big one-off purchases such as holidays or appliances for the home, you should have a better idea of what you can and can't afford.

Download our budget planner 
(PDF, 81KB)

If you are having financial difficulties and struggling to make your payments please contact us.

You may want to discuss your situation with a professional adviser, such as a debt counsellor or a lawyer. The details below may help you find the free, independent and impartial advice you need:

National Debtline
0808 808 4000
www.nationaldebtline.co.uk 
For those struggling with debt. Get a free debt advice pack that includes guidance on personal budgeting as well as answering legal questions connected with debt.

StepChange Debt Charity
0800 138 1111
www.stepchange.org 
Anonymous advice. Fee-free debt management plans and other solutions.

Citizens Advice Bureau
Call Local Office
www.citizensadvice.org.uk 
Free, confidential and impartial advice on a wide range of debt and benefits issues.

Citizens Advice Scotland
0131 550 1000
www.cas.org.uk 
Free, confidential and impartial advice on a wide range of debt and benefits issues.

Payplan
0800 280 2816
www.payplan.co.uk 
Get a free debt management plan.

Money Advice Service
0300 500 5000
www.moneyadviceservice.org.uk 
Independent service set up by the government giving free, impartial money advice to UK citizens.

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NumberCost
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087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be recorded for training and quality purposes.

More how to guides

To help make things a little easier we’ve created some ‘How to guides’ which tell you what you need to know to get your card up and running.