My Virgin Money - Credit cards

My Virgin Money - Credit cards

Helping you make more of your money and your credit cards. Get guidance on money matters, plus news & views from independent experts as well as exclusive customer offers.

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Making payments

There are several different ways to pay your Virgin Credit Card balance, and some simple tips can help you save interest and avoid charges. Simply click the questions below to find out more.

How can I make a payment?

You can make payments in the following ways:

Online
Once you’ve registered for our free Online Card Services, you can make a payment online anytime, 24 hours a day. Simply log in, choose the ‘Payments’ option and follow the instructions.

If you make a payment before 5pm on a weekday, it will reach your Virgin Credit Card account in two working days. Payments made after 5pm or on a weekend or Bank Holiday will take three working days.

We can accept payments of any amount but please note your bank or building society may have a transaction limit, so you may want to check with them first if making a large payment.

Direct Debit
To set up a Direct Debit, simply choose the ‘Manage account’ option in Online Card Services and follow the instructions, or call us on 0800 015 0306.

Your Direct Debit payment will be taken whether or not you’ve made any additional payments. It will be credited to your Virgin Credit Card account on your payment due date, and taken from your bank account on the same or next day.

Telephone and internet banking
You can make a payment to us using your bank’s telephone or internet banking service. Simply give them these details and allow up to four days for the payment to reach your Virgin Credit Card account:

Our sort code: 086130
Our account number: 70328725
Payment reference: Your Virgin Credit Card number

‘Faster payments’
Some banks offer ‘Faster payments’, which means that payments made before 4pm on a weekday will reach your Virgin Credit Card account the same day. Simply use the details listed under ‘Telephone and internet banking’ above to make your payment.

Payments made after 4pm or on a weekend or Bank Holiday will reach us the next working day. You’ll see the payment credited to your Virgin Credit Card account the day after it has been processed.

By post
You can pay us by cheque – simply make it payable to MBNA EBL and send it to us at the address below with your completed Bank Giro Credit slip from the bottom of your paper statement:

Virgin Credit Card Services
Thynne Street
Bolton
BL11 1AZ

Please write your Virgin Credit Card number on the front of your cheque and your name and address on the back. It’s best to send your cheque at least five days before your payment due date, or earlier if you’re using second class post, to avoid any late charges.

At a bank
To pay at a bank using cash or a cheque, you’ll need to use the Bank Giro Credit slip from the bottom of your paper statement. And if you’re registered for paperless statements, your credit card will be your reference instead of the Bank Giro Credit slip. It’s best to allow at least four days before your payment due date, and please note some banks may charge a fee to do this.

How can I avoid late charges?

If your minimum payment hasn’t reached your Virgin Credit Card account by your payment due date, we may charge a fee – this is explained in more detail in your terms and conditions.

It’s best to send your payment five working days before it’s due to avoid the risk of it being late, and you can check your minimum payment amount anytime using Online Card Services.

Setting up a Direct Debit is also a great way to ensure you never miss a payment. Simply choose the ‘Manage account’ option in Online Card Services and follow the instructions, or call us on 0800 015 0306.

What is ‘estimated interest’, and how can I avoid it?

‘Estimated interest’ is the amount of interest you’ll be charged on your next statement, assuming you pay the agreed minimum amount on time, don’t make any transactions, don’t incur any fees, and there are no changes to your statement date or interest rate (except for any promotional rates coming to an end).

You can reduce the amount of interest you’re charged by paying more than your minimum payment, or avoid interest altogether by paying your balance in full and on time each month.

Remember interest is charged from the day you make transactions or withdraw cash, and handling fees are also applied.

What happens if I forget to make a payment?

If you forget to make a payment, pay it as soon as you can through Online Card Services or by calling us on 0800 062 062. If you’re over your credit limit, please make sure your payment covers the extra amount, plus any fees and interest as shown on your statement.

It’s important to make your payments on time because a fee is charged if you don’t make a payment by the due date and any promotional rates you’re using will end. If you miss a payment it can also affect your credit rating, as this will be updated if you make late payments.

What can I do if I’m having financial difficulties?

If you’re having financial difficulties and struggling to make your payments, please call us on 0800 028 0690 as soon as possible so we can discuss it, and see if there’s anything we can do to help.

If you can’t make payments because of illness, an accident, or unemployment but you have Payment Protection Insurance, this may cover you.

The following organisations may also be able to help:

Consumer Credit Counselling Service
cccs.co.uk
Call free on 0800 138 1111

Payplan
payplan.com
Call free on 0800 716 2399

National Debtline
nationaldebtline.co.uk
Call free on 0808 808 4000

Citizens Advice Bureau
citizensadvice.org.uk