Virgin Credit Card : Apply Online
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- 16.6% APR typical rate (variable)
- No annual fee
- 0% p.a. for 16 months on balance transfers* Transfers to be made within first 60 days. (2.98% handling fee applies)
- 0% p.a. for 3 months on card purchases*
- Up to 50 interest free days on your card purchases
- Great discounts like 10% off at Virgin Megastores online
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Card Features
Balance Transfers
0% p.a. for 16 months on balance transfers* (2.98% handling fee applies)
Interest Rate
0% p.a. for 3 months on card purchases*. After that, if you spend on your card, you pay a typical rate of 16.6% APR (variable) on card purchases.
Interest free period
Up to 50 days on card purchases as long as you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Reward Points
Great discounts like 10% off at Virgin Megastores online. 20% OFF AT VIRGIN MOBILE ONLINE. 13% OFF IN THE HIGH STREET.50% OFF SKY TV.20% OFF AT VIRGIN BOOKS.15% OFF AT THOMAS COOK HOLIDAYS.
Charges
Interest charging information
Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
How your balance is paid off
We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Credit limit
We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee
Free
Default charges
£12 for going over your credit limit, paying late, or payments that bounce.
Review Date: 17/05/2009
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
Apply Online
Virgin Credit Card from Virgin Money.
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