Virgin Money Deals & Sales for June 2017 - HotUKDeals
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Virgin Money Deals & Discounts

48
264

Virgin Single Trip Travel Insurance - £4.54 (possible £9 TCB)

7
£4.54 @ Virgin Money
Going away to the UK for a three-day trip? Virgin's travel insurance is only £4.54 for their Silver policy at the moment, when you choose a £120 excess. Not only that, but TopCashback is doing £9 for… Read More
Going away to the UK for a three-day trip? Virgin's travel insurance is only £4.54 for their Silver policy at the moment, when you choose a £120 excess. Not only that, but TopCashback is doing £9 for…
billbennett1 Avatar2d, 10h agoFound 2 days, 10 hours ago7 Comments
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billbennett1
ToxicNeo
Surely the compare the market deal with 12 months meerkat movies is a better deal? Or has that now finished?
But does that give you £9 TCB for spending £4.54?


No, it gives you 12 months of 2 for 1 cinema tickets, which in most places will be more than £9 benefit after 1 or 2 films!
ToxicNeo
Surely the compare the market deal with 12 months meerkat movies is a better deal? Or has that now finished?
But does that give you £9 TCB for spending £4.54?
rucer07
Cold, quoted £19 for single trip in Europe for 1 person. How did you get £4.54
Because the deal above isn't for Europe, it's for the UK ;)
Surely the compare the market deal with 12 months meerkat movies is a better deal? Or has that now finished?
Cold, quoted £19 for single trip in Europe for 1 person. How did you get £4.54
-204

2 year fixed rate bond 1.61% @ Virgin Money and 1.76 at Chartered Savings

30
£0.00 @ Virgin Money
Best rate for quiet some time. Don't know how long it will last. Just came out today @ 2pm. There are some good 1 year fixed as well. These are good deals relative to the interest rates of late. Read More
Best rate for quiet some time. Don't know how long it will last. Just came out today @ 2pm. There are some good 1 year fixed as well. These are good deals relative to the interest rates of late.
barkercs Avatar3w, 5d agoFound 3 weeks, 5 days ago30 Comments
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Master.G
1.61% lol. Inflation is at 2.2%. You'd be better off spending your cash on goods and selling them at the end of the year.

Do let us know how you get on with that business plan.
ScoobyZ
GAVINLEWISHUKD
ScoobyZ
GAVINLEWISHUKD
Firefly1
barkercs
Master.G
1.61% lol. Inflation is at 2.2%. You'd be better off spending your cash on goods and selling them at the end of the year.
Please post a better savings rate if you have one
TSB/Lloyds/Tesco/Santander* are examples - They are called Current Accounts but they are really saving accounts.
*Santander has an account fee per month, but this can be cancelled out by receiving cashback on your household bills
**Other "Saving" accounts which they call Current Accounts have some direct debit requirements or pay in requirements. Direct debit requirements are served by PayPal and Tesco Savings. Pay in requirements are satisifed by moving money in-betwen these savings accounts (Cough, current accounts).
That's all well and good if you are saving a few grand. It's not much good if you have say £50k worth of cash sitting in ISAs earning next to nothing.
You can place £50,000 in 16 accounts to give £1,390 a year return (net 2.8% interest)*
*Based on a couple with regular savings and bank accounts.https://www.bankaccountsavings.co.uk/calculator
Nice calculator and looks super useful.
Couple of points.
I already have a TSB account on the old rates so wouldn't be eligible.
My finances are not mixed with the girlfriends finance.
24 direct debits need to be set up. Charity ones are great but that a £288 a year hit to the interest. This drops the rate down to just over 2%.
Next issue is you have now gone over the savings tax threshold by £390 so you will be taxed on all of it and have to claim it back.
But it is worth considering maximising the accounts for a high return on a smaller amount and keeping some in a tax free ISA.



TSB is just one element.

If finances separate than half the amount or learn to trust. :)

Tesco Direct Debits to Savings accounts remove the need to do the charity direct debits as they pull the amounts (Internet and regular saver*). *also mentioned earlier.

Tax threshold is £1000 per person. Example was for two people so no tax to pay under £2000 so not an issue at all.


you stated


Tax threshold is £1000 per person. Example was for two people so no tax to pay under £2000 so not an issue at all.

which is incorrect it is £1000 for people on no tax or 20% and £500 for people in the 40% tax bracket ;)
GAVINLEWISHUKD
ScoobyZ
GAVINLEWISHUKD
Firefly1
barkercs
Master.G
1.61% lol. Inflation is at 2.2%. You'd be better off spending your cash on goods and selling them at the end of the year.
Please post a better savings rate if you have one
TSB/Lloyds/Tesco/Santander* are examples - They are called Current Accounts but they are really saving accounts.
*Santander has an account fee per month, but this can be cancelled out by receiving cashback on your household bills
**Other "Saving" accounts which they call Current Accounts have some direct debit requirements or pay in requirements. Direct debit requirements are served by PayPal and Tesco Savings. Pay in requirements are satisifed by moving money in-betwen these savings accounts (Cough, current accounts).
That's all well and good if you are saving a few grand. It's not much good if you have say £50k worth of cash sitting in ISAs earning next to nothing.
You can place £50,000 in 16 accounts to give £1,390 a year return (net 2.8% interest)*
*Based on a couple with regular savings and bank accounts.https://www.bankaccountsavings.co.uk/calculator
Nice calculator and looks super useful.
Couple of points.
I already have a TSB account on the old rates so wouldn't be eligible.
My finances are not mixed with the girlfriends finance.
24 direct debits need to be set up. Charity ones are great but that a £288 a year hit to the interest. This drops the rate down to just over 2%.
Next issue is you have now gone over the savings tax threshold by £390 so you will be taxed on all of it and have to claim it back.
But it is worth considering maximising the accounts for a high return on a smaller amount and keeping some in a tax free ISA.



TSB is just one element.

If finances separate than half the amount or learn to trust. :)

Tesco Direct Debits to Savings accounts remove the need to do the charity direct debits as they pull the amounts (Internet and regular saver*). *also mentioned earlier.

Tax threshold is £1000 per person. Example was for two people so no tax to pay under £2000 so not an issue at all.

Edited By: ScoobyZ on May 31, 2017 14:31
ScoobyZ
GAVINLEWISHUKD
Firefly1
barkercs
Master.G
1.61% lol. Inflation is at 2.2%. You'd be better off spending your cash on goods and selling them at the end of the year.
Please post a better savings rate if you have one
TSB/Lloyds/Tesco/Santander* are examples - They are called Current Accounts but they are really saving accounts.
*Santander has an account fee per month, but this can be cancelled out by receiving cashback on your household bills
**Other "Saving" accounts which they call Current Accounts have some direct debit requirements or pay in requirements. Direct debit requirements are served by PayPal and Tesco Savings. Pay in requirements are satisifed by moving money in-betwen these savings accounts (Cough, current accounts).
That's all well and good if you are saving a few grand. It's not much good if you have say £50k worth of cash sitting in ISAs earning next to nothing.
You can place £50,000 in 16 accounts to give £1,390 a year return (net 2.8% interest)*
*Based on a couple with regular savings and bank accounts.https://www.bankaccountsavings.co.uk/calculator

Nice calculator and looks super useful.

Couple of points.
I already have a TSB account on the old rates so wouldn't be eligible.
My finances are not mixed with the girlfriends finance.
24 direct debits need to be set up. Charity ones are great but that a £288 a year hit to the interest. This drops the rate down to just over 2%.
Next issue is you have now gone over the savings tax threshold by £390 so you will be taxed on all of it and have to claim it back.

But it is worth considering maximising the accounts for a high return on a smaller amount and keeping some in a tax free ISA.
I think it's a good deal for what it is. Yes, you can get more interest on a very different type of account and yes this rate is lower than inflation, but this type of account is very popular, and this rate is one of the better ones around.
-83

0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card @ Virgin Money

3
£0.00 @ Virgin Money
0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card Transfer fees Balance transfer fee - 3.00% fee Money transfer fee - 3.80% fee @ Virgin Money Read More
0% for 41 Months on Money Transfer (Bank Account Transfer) & Balance Transfer Credit Card Transfer fees Balance transfer fee - 3.00% fee Money transfer fee - 3.80% fee @ Virgin Money
itsvimal Avatar1m, 6d agoFound 1 month, 6 days ago3 Comments
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signed up last month.

Just FYI.. Their Online Services are basic for now...

and they DO-NOT have an app.... [im looking at changing to another company]
Better than pay day loans plus it is 41 months so more than 3 yrs
this used to be 1.6%. not a great deal at this rate imo, some banks offer sub 3% loans.
427

Best Value 32months Balance transfer for only 0.66% fee @ Virgin Money

15
£0.00 @ Virgin Money
Not sure if posted before but currently best value balance transfer deal @ only 0.66% for 32 months Virgin Money - dadofdaisy Read More
Not sure if posted before but currently best value balance transfer deal @ only 0.66% for 32 months Virgin Money - dadofdaisy
adi0604 Avatar6m, 2w agoFound 6 months, 2 weeks ago15 Comments
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If I already have a money transfer card which I've taken out a year ago, can I apply for another card with another deal?
Virgin seems to have many different cards with deals.
A2DY_


Does this one allow you to transfer into your personal account like Virgin?
Great. Let's start another financial crash. For those who have no idea on why they offer interest free periods check this basic explanation of Securitisation: http://mx.nthu.edu.tw/~chclin/Class/Securitization.htm

From CC to overdrafts to student loans to mortgages to personal loans. A real house of cards.
mayzi
homebird1
Sorry could someone help me? if I want to take a loan of say £5000, is it cheaper to transfer it from credit card to bank with these cards? if it is which card is the best? virgin or barclays

Yes if you pay it back in time ..
Virgin are better for money transfers


Thank you :)
homebird1
Sorry could someone help me? if I want to take a loan of say £5000, is it cheaper to transfer it from credit card to bank with these cards? if it is which card is the best? virgin or barclays

Yes if you pay it back in time ..
Virgin are better for money transfers
383

Cheapest "loan" of cash you'll ever get with a Virgin money bank transfer credit card (1.69% for 32m) Thats £16.90 total cost to borrow £1k (or £169 for £10k etc etc)

48
£0.00 @ Virgin Money
Already posted here (but expired) http://www.hotukdeals.com/deals/cheapest-loan-cash-ll-ever-get-with-a-virgin-money-bank-transfer-credit-card-1-69-2475701 and all credit goes to original poster. Read More
Already posted here (but expired) http://www.hotukdeals.com/deals/cheapest-loan-cash-ll-ever-get-with-a-virgin-money-bank-transfer-credit-card-1-69-2475701 and all credit goes to original poster.
Preying_Eyes Avatar7m, 2w agoFound 7 months, 2 weeks ago48 Comments
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Now went up to-1.99% fee
Hi, to those who are waiting on confirmation. They currently have a huge back log. I applied 21st November and only just got a response and acceptance email.
A2DY_
Better off getting a standard balance transfer card (e.g https://www.moneysupermarket.com/credit-cards/details/?productCode=CC_BCARD_PLAT_WITH_BT&index=1&count=70&gid=CC_BALTRANSFERV2&page=1&transferAmount=3200&monthlyPayment=100 ) and then transferring whatever balance you want to another card you don't owe anything on. Then speak to that card company and have them transfer your credit balance to your current account (as you can't be in credit on a credit card)
Always works and get much better fees. Above link is 0.63% rather than the 1.69% of this deal. An extra 5 mins work but worth it if you are after the best possible deal.

They wouldn't do it for me I transferred the money and they would only put it back onto the original credit card which is the Barclay Card . Don't try this way "
lindajane102361
I dnt understand bank money can somebody explanation plz it's me I av to pay only £16 for 32 months if I borrow 1000 right?


Hi,

You pay back £1016 at the end of 32 months. Not just £16.
How it's explained above is that you transfer £1000 to your current account at a transfer fee of 1.6%. Then for 32 months you have the balance of £1016 at 0% interest. As long as you pay up your credit card before the end of 32 months. Then you won't be charged any extra. Making it a grand total of borrowing £1000 for £1016 over 32 months.
majortom
howarth3
majortom
I think you'll find the total cost to borrow £1,000 is £1,016.90 not just £16.90 as you've put. You do have to pay the principle back as well you know.
Incorrect. The cost of borrowing £1000 is £16.90. The total repayment is £1016.90.
I think this is why we have so many people in trouble with debt - they try to forget about the capital, just as you have .... the capital repayment is part of the cost of borrowing and should always be thought of as such


Sorry but you're incorrect. The capital isn't a cost.....

1) ''When companies borrow funds from outside lenders, the interest paid on these funds is called the cost of debt''

2) ''The main thing to consider before borrowing money is how much it will cost for you to pay it back. The true cost is the amount you are charged on top of the capital amount of the loan; such as the interest rate and additional fees. This will differ depending on your type of credit: Credit card, bank, a short term loan, family or friends''
1061Expired

0% for 30 months on purchases - longest ever purchase credit card @ Virgin Money

121
£0.00 @ Virgin Money
Longest ever 0% purchase credit card from Virgin Money - giving 0% for 30 months on purchases. Ideal ahead of the festive spend period. Previous longest 0% purchase credit card deal was Tesco/Sains… Read More
Longest ever 0% purchase credit card from Virgin Money - giving 0% for 30 months on purchases. Ideal ahead of the festive spend period. Previous longest 0% purchase credit card deal was Tesco/Sains…
Chanchi32 Avatar7m, 2w agoFound 7 months, 2 weeks ago121 Comments
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Received my card with a £5600 limit - too late for Black Friday unfortunately. Online account however says that it's 0% balance transfer under the offers section..
spinal_2k
Craigius
Just applied got approved and a good credit limit!

how do you know your credit limit? I don't want to apply if they give me a low credit...


They sent me an email telling me what my limit was going to be and it tells you I think on the pre approve checker
Has anyone received the card yet?
still waiting for me card
I received the card today, activated it and its ready for Black Friday!

Bring it! :D
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2920Expired

Cheapest "loan" of cash you'll ever get with a Virgin money bank transfer credit card (1.69% for 32m) Thats £16.90 total cost to borrow £1k (or £169 for £10k etc etc)

753
£0.00 @ Virgin Money
Yes. balance transfers to clear other credit cards can be found cheaper but this deals lets you transfers cash straight into your bank account...an effective free loan for a nominal initial fee of 1.6… Read More
Yes. balance transfers to clear other credit cards can be found cheaper but this deals lets you transfers cash straight into your bank account...an effective free loan for a nominal initial fee of 1.6…
dodgymix Avatar11m, 2w agoFound 11 months, 2 weeks ago753 Comments
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dodgymix

Yes. balance transfers to clear other credit cards can be found cheaper but this deals lets you transfers cash straight into your bank account...an effective free loan for a nominal initial fee of 1.69% which works out at only 0.63% PA initially!!!
*****************************
Please note 3.5% fee taken straight away and thern difference refunded within 2 weeks to bring it down to 1.69%
*******************************
I personally found myself in a position were i cant get a decent mortgage rate as ive repaid so much over the last few years.
If I want a low interest rate i would have to pay a fee of £1k+ so this totally wipes out any saving i could make when compared to a stupid 5%+ mortgage rate
Now this Virgin money offer can be treated as effectively a mega cheap loan.
You can borrow £1,000.00 for £16.90 for 32m (so averages a very low £6.34 per year or 0.63%)
You can borrow £5,000.00 for £84.50 for 32m (so averages a very low £31.17 per year or 0.63%)
You can borrow £10,000.00 for £169 for 32m (so averages a very low £63.38 per year or 0.63%)
So borrow sufficient to repay my mortgage.. continue to pay off what I normally do each month an even if theres still outstanding debt in 31m time you can easily do a balance transfer to another 0% credit card.
The other benefit is your house will belong to you as no lender will have a charge on it
Finally got email to say I was accepted. £169 to borrow £10,000 over 3 years - happy with that. Thanks OP
18 days have passed. No reply from Virgin. Sent my ID back 10 days ago. What a joke!
What do you mean by waiting list?

I applied around 10 days ago. Got a letter yesterday asking for proof of ID! Can only be sent back via post...so more waiting to come...and still no decision!
What's the waiting list for this of late?
57

Virgin Credit Cards UK | Balance Transfer Credit Cards | 0% balance transfers, 0% on purchases and discount offers

1
£0.00 @ Virgin Money
virgin money are doing great balance transfer deals. At 18 month transfers there is a 0% fee so it'll cost you nothing to transfer!! Also some of the graphics they offer on their cards are awesome. I… Read More
virgin money are doing great balance transfer deals. At 18 month transfers there is a 0% fee so it'll cost you nothing to transfer!! Also some of the graphics they offer on their cards are awesome. I…
tjcampbell79 Avatar1y, 2m agoFound 1 year, 2 months ago1 Comment
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Got one, only problem is that it's hard to BT to Amex cards...
300

Virgin balance transfer, 32 months, only 0.99% fee and potential £10 amazon gift voucher

14
£0.00 @ Virgin Money
Virgin balance transfer, 32 months, only 0.99 fee and potential amazon gift voucher Not as long a term as some balance transfers but the fee is so low. Read More
Virgin balance transfer, 32 months, only 0.99 fee and potential amazon gift voucher Not as long a term as some balance transfers but the fee is so low.
phillsmit3 Avatar1y, 5m agoFound 1 year, 5 months ago14 Comments
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friiza
phillsmit3
dodgymix
Personally I want something back from Credit cards so look for cashback / rewards type programmeshttp://www.nationwide.co.uk/products/credit-cards/our-credit-cards/our-cards
nationwide provide 12m 0% with no BT fee althogh offer some great rewards
already got over £100 back on Amazon / adidas / Made.com offers
you should have 2 credit cards. 1 for a balance transfer and 1 for cashback. Never spend on a balance transfer card when you are getting 0%.
Agreed. Or spend just under the minimum repayment amount on it, and so don't repay anything from the BT!


You do, I think, as they will repay the balance transfer before repaying your spending.
phillsmit3
dodgymix
Personally I want something back from Credit cards so look for cashback / rewards type programmeshttp://www.nationwide.co.uk/products/credit-cards/our-credit-cards/our-cards
nationwide provide 12m 0% with no BT fee althogh offer some great rewards
already got over £100 back on Amazon / adidas / Made.com offers
you should have 2 credit cards. 1 for a balance transfer and 1 for cashback. Never spend on a balance transfer card when you are getting 0%.
Agreed. Or spend just under the minimum repayment amount on it, and so don't repay anything from the BT!
good deal cheers :)
much higher (4% ) fee if you would like to transfer the balance to your bank account
MSE have a good eligibility calculator for credit cards. It performs a 'soft search' on your credit file that you can see but can't be seen by lenders. It's a useful tool in that it helps you to not apply for cards you probably won't get (which in itself can **** up your credit score). Yes, he's a bit smug but credit where credit is due and all that....

https://www.moneysavingexpert.com/eligibility/credit-cards/

Edited By: bellboys on Jan 23, 2016 13:37
69

Virgin Money 38 Months Free Balance Transfer (2.79% fee, min £3.00)

2
£3.00 @ Virgin Money
For those who may have spent a fair bit on Christmas, or are looking to make large purchase, this credit card may work out cheaper than a loan (subject to credit checks etc). This isn't upto 3 months Read More
For those who may have spent a fair bit on Christmas, or are looking to make large purchase, this credit card may work out cheaper than a loan (subject to credit checks etc). This isn't upto 3 months
skgwho Avatar1y, 5m agoFound 1 year, 5 months ago2 Comments
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HEAT. Anyone who overspent to a ridiculous amount at Christmas, I say tough. :)
2.79% is the balance transfer fee.
0% on any purchases in first 3 months.
0% on money transfers for 38 months but add 4% for this portion of your balance transfer, not 2.79

I've just done AA as I only have a small amount to move around. But savings are savings and this deal should beat most people existing account APRs.
395

Balance & money transfer for 32mths 0% @ Virgin Money. Lowest fee ever seen according to MSE site..

18
£0.00 @ Virgin Money
Cardholders can both balance transfer & money transfer at 32mths 0% for a one-off fee of 1.69% of the amount shifted. This new 0% 'money transfer' credit card pays cash into your bank account, so… Read More
Cardholders can both balance transfer & money transfer at 32mths 0% for a one-off fee of 1.69% of the amount shifted. This new 0% 'money transfer' credit card pays cash into your bank account, so…
IndyS Avatar1y, 7m agoFound 1 year, 7 months ago18 Comments
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Guys, anybody know how good are Virgin money compared to MBNA regards to giving the credit limit? Who is likely to give a higher credit limit? Tx.
lutek1000
vulcan903
Kev`
DealJourno
Great deal for people spending more than they earn.
If you're paying it off before the 0% runs out you're not actually spending any more than you would if you'd saved the money up over the same period. Simmer down.
Yep it means I keep my cash in premium bonds and pay as much as I want off using monthly income and still get £50-£75 a month from PB wins. Then review in 2018 when the rate finishes!
What is PB wins?

Presuming Premium Bonds?
vulcan903
Kev`
DealJourno
Great deal for people spending more than they earn.
If you're paying it off before the 0% runs out you're not actually spending any more than you would if you'd saved the money up over the same period. Simmer down.
Yep it means I keep my cash in premium bonds and pay as much as I want off using monthly income and still get £50-£75 a month from PB wins. Then review in 2018 when the rate finishes!
What is PB wins?
Kev`
DealJourno
Great deal for people spending more than they earn.
If you're paying it off before the 0% runs out you're not actually spending any more than you would if you'd saved the money up over the same period. Simmer down.
Yep it means I keep my cash in premium bonds and pay as much as I want off using monthly income and still get £50-£75 a month from PB wins. Then review in 2018 when the rate finishes!
215

Virgin Money Street of Light, Edinburgh Free tickets 30th November - 24th December 2015

12
£0.00 @ Virgin Money
Virgin Money Street of Light, Edinburgh The Virgin Money Street of Light is a breathtaking new event set to light up Edinburgh’s Old Town this Christmas. From St Andrew’s Day to Christmas Eve, an arc… Read More
Virgin Money Street of Light, Edinburgh The Virgin Money Street of Light is a breathtaking new event set to light up Edinburgh’s Old Town this Christmas. From St Andrew’s Day to Christmas Eve, an arc…
jennypenny Avatar1y, 7m agoFound 1 year, 7 months ago12 Comments
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Thanks! Got tickets. Kids will love it:D
Have planned a festive day in Edinburgh round this. Thank you OP.

Lx
Richer_Branson
MONEY Street of life, how festive....

Street of Light, it's Light not life. Y'know, if you join up just to make a sarcastic / cynical / critical comment, it loses any impact it might have had when you get it monumentally wrong. Just sayin'. :p

Thanks OP, got my tickets. Looking forward to it.
38

UK's longest 0% offer - Virgin Credit Card 0% interest for 37 months on balance or Money transfers

7
£0.00 @ Virgin Money
Currently this is the longest offer and I personally think 0% for money transfer is really hot as none of provider offers you that for any near by offer 0% for 37 months on balance transfers, with Read More
Currently this is the longest offer and I personally think 0% for money transfer is really hot as none of provider offers you that for any near by offer 0% for 37 months on balance transfers, with
kingkhan9 Avatar1y, 9m agoFound 1 year, 9 months ago7 Comments
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heads up....offer has been extended and available until 2 November 2015
I can't believe I was rejected, I have a good credit score and a good household income pfft
Heads up!

'Virgin Balance Transfer Credit Card
Our extended balance transfer credit card,
available until 30 September 2015'
This is my car loan going from 8.6APR to 0APR (4%fee).
From 48 months to 37.
You saved me 1668 pounds in interest today.
Thanks a lot man!
voted hot :)
388Expired

Virgin Credit Card 0% interest for 40 months on balance or Money transfers

45
£0.00 @ Virgin Money
Never before... Limited offer for 20 days, to celebrate 20 years in financial services. Apply before 9 September 2015 0% for 40 months on balance transfers, with a fee of 2.99% Move a balance fr… Read More
Never before... Limited offer for 20 days, to celebrate 20 years in financial services. Apply before 9 September 2015 0% for 40 months on balance transfers, with a fee of 2.99% Move a balance fr…
kingkhan9 Avatar1y, 9m agoFound 1 year, 9 months ago45 Comments
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whiteswan
Hi - I received mine within 4 days of applying.
Dave
Thanks for the reply.
I phoned up and reported it. I didn't receive a single thing in the post.
Not very helpful service either. Waited 10 minutes before an answer then put on hold again.I was asked some stupid security questions, like: how much was my last payment, erm let me think...........especially as I'm phoning to report a card that Ive never used because Ive never received it.
Hi - I received mine within 4 days of applying.

Dave
Has anyone received their card. Its been 2 weeks already.
last day today........make the most
kingkhan9
Do they not revert the transaction and send the money where it came from?

None questioned me so much - the only 1 provider mentioned reverting so simply ask them to close account. Don't give them the opportunity or go ahead to revert the transaction. I don't recollect which provider it was but FYI I have put cards from Nationwide, First Direct, Barclaycard, Virgin in credit without any problems.
1037Expired

Virgin Credit Card * 40 Months Interest Free * UK's Longest Balance Transfer

101
£0.00 @ Virgin Money
This is the longest for balance transfer with a fee of 2.99% Money into bank account can also be done @ 4% fee Read More
This is the longest for balance transfer with a fee of 2.99% Money into bank account can also be done @ 4% fee
Shaggers Avatar1y, 10m agoFound 1 year, 10 months ago101 Comments
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gifteddante
How long did it everyone to get their second email? I was accepted a couple of days ago and only had one email saying...
"Thank you for applying for a Virgin Credit Card – we are happy to tell you your application has been approved.
Keep a look out for a further email from us which will let you know what happens next."
Other than this no other contact.
Applied at 22:00 on Thursday, instant acceptance email then second email today at 09:17.
How long did it everyone to get their second email? I was accepted a couple of days ago and only had one email saying...

"Thank you for applying for a Virgin Credit Card – we are happy to tell you your application has been approved.

Keep a look out for a further email from us which will let you know what happens next."

Other than this no other contact.
Why expired.Valid til 9th September.Just got accepted.
Applied the other day and was accepted done a balance transfer and a money transfer into my account to clear my overdraft took about 5 days for money to go in
This is still valid till the 9th. Not sure why expired
71

All Round Credit Card 3 in 1 - 24 Months 0% Balance Transfers / Purchases / Money Transfers @ Virgin Money

21
£0.00 @ Virgin Money
Virgin Money has launched the new All Round Credit Card which has 24 months on everything 3 in 1. 24 months 0% on purchases 24 months 0% on balance transfers 1% fee 24 months 0% on money tra… Read More
Virgin Money has launched the new All Round Credit Card which has 24 months on everything 3 in 1. 24 months 0% on purchases 24 months 0% on balance transfers 1% fee 24 months 0% on money tra…
cliosport65 Avatar1y, 11m agoFound 1 year, 11 months ago21 Comments
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dannyv92
Sorry to maybe repeat what's been said, but if I apply for this card I can use it to clear my debt on a current account (overdraft) and only pay the fee to transfer??
Voted hot for the money transfers


yes that is correct just a one off 1.9% fee of the balance you transfer over.
Sorry to maybe repeat what's been said, but if I apply for this card I can use it to clear my debt on a current account (overdraft) and only pay the fee to transfer??
Voted hot for the money transfers
dmannn
baz84
dmannn
In theory the best credit card out there. Granted the post office have a 25 month 0% credit card, but the balance transfer isn't as long and they charge i believe 2.98% for money transfers.
I have this card and transfered money from my tesco 0% credit card as the offer ran out from august/september. And at only 1% transfer fee....I can live with that and pay it off slowly for 24 months.
Whats more you get to choose your design of your credit card ;)
HEAT!
Out of interest, how long did it take for them to approve your application? I applied 9 days ago and haven't heard a word from them yet!!
Hi Baz84,
They actually approved my application immediately. As I said to Johnny Utah, my credit rating is quite good so thats perhaps why I got an instant response. I was quite shocked it was immediate, i thought 2 or 3 days before I got a response, but nope, card in the post 5 days later.
I would ring them as I remember one time I applied for an M&S 0% card and they couldn't verify my details so they required further ID checks from me before the application, that may well be the case for you. If so, that's why they can't carry out the full credit check and approve it yet which is usually more so the case.
Hope this helps.

Thanks dmann. I gave them a call and apparently it's still in the app process and I should hear back within 5 working days. I've also got a good credit rating which is why I was surprised, these things normally go through quickly for me also. Perhaps they're getting a lot of applications!

Cheers.
baz84
dmannn
In theory the best credit card out there. Granted the post office have a 25 month 0% credit card, but the balance transfer isn't as long and they charge i believe 2.98% for money transfers.
I have this card and transfered money from my tesco 0% credit card as the offer ran out from august/september. And at only 1% transfer fee....I can live with that and pay it off slowly for 24 months.
Whats more you get to choose your design of your credit card ;)
HEAT!
Out of interest, how long did it take for them to approve your application? I applied 9 days ago and haven't heard a word from them yet!!

Hi Baz84,

They actually approved my application immediately. As I said to Johnny Utah, my credit rating is quite good so thats perhaps why I got an instant response. I was quite shocked it was immediate, i thought 2 or 3 days before I got a response, but nope, card in the post 5 days later.

I would ring them as I remember one time I applied for an M&S 0% card and they couldn't verify my details so they required further ID checks from me before the application, that may well be the case for you. If so, that's why they can't carry out the full credit check and approve it yet which is usually more so the case.

Hope this helps.
dmannn
In theory the best credit card out there. Granted the post office have a 25 month 0% credit card, but the balance transfer isn't as long and they charge i believe 2.98% for money transfers.
I have this card and transfered money from my tesco 0% credit card as the offer ran out from august/september. And at only 1% transfer fee....I can live with that and pay it off slowly for 24 months.
Whats more you get to choose your design of your credit card ;)
HEAT!

Out of interest, how long did it take for them to approve your application? I applied 9 days ago and haven't heard a word from them yet!!
-20

The Virgin All Rounder Credit Card 0% 24M (P&T)

4
£0.00 @ Virgin Money
I've just posted a topic about a Lloyd's Bank credit card after applying for it. Now after doing that found a Virgin card that has even longer on it! No annual fee 24 months 0% on purchases Read More
I've just posted a topic about a Lloyd's Bank credit card after applying for it. Now after doing that found a Virgin card that has even longer on it! No annual fee 24 months 0% on purchases
weenshukd Avatar1y, 11m agoFound 1 year, 11 months ago4 Comments
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weenshukd
It puts you off posting things you stumble across when people just vote cold with no reason in the comments.


Don't be put off, this place is often full of haters, but I often find that the deals people vote cold are actually good.
Can you earn any extra like points or anything with a virgin card ?
It puts you off posting things you stumble across when people just vote cold with no reason in the comments.
Why so naffing cold?
This is a good deal.1% fee for 24 months is excellent
248

Virgin Credit Card extended offer - 0% for 36 months on balance transfers and money transfers and 0% for 6 months on purchases

27
£0.00 @ Virgin Money
The Virgin Extended Balance Transfer credit card matches the best-buy 36 month deal recently launched by Barclaycard which was, until now, the longest interest-free balance transfer credit card ever. Read More
The Virgin Extended Balance Transfer credit card matches the best-buy 36 month deal recently launched by Barclaycard which was, until now, the longest interest-free balance transfer credit card ever.
IndyS Avatar2y, 3m agoFound 2 years, 3 months ago27 Comments
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i did it all online and they have completed the transfers already.................do i need to check its 0% interest free.
I have an 800 credit card debt that I wish to pay off how do I go about doing this?
there already processing mine!
Santander offer 18 months on balance transfers with 0% fee
Underwritten by Virgin
155Expired

free £5 for 5 to 11-year-olds from virgin money

37
£0.00 @ Virgin Money
probably best for kids to do it with a group or class. ---- How it works The Fiver Challenge gives young people 1 month to do something enterprising with their £5 pledge. We have designed t… Read More
probably best for kids to do it with a group or class. ---- How it works The Fiver Challenge gives young people 1 month to do something enterprising with their £5 pledge. We have designed t…
seb Avatar3y, 1m agoFound 3 years, 1 month ago37 Comments
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I can't agree with proactive lending to children under contract to repay. what happens when they make a loss? the law is very clear on the matter.

I do however appreciate the reasons why the op posted, which is why I won't give negative heat
This is a loan then? Are we now teaching 11 year old children how to get credit? Do not get me wrong, I can see how this would be great with the kids, lots of interesting ideas etc but really, this is a loan isn't it?
It's such a shame you came across this so late as would have loved to done his with my school.
the future is fudge, teresa!
----
Sweet taste of success for 13-year-old schoolboy set to make £40,000 a year - all thanks to his grandfather's fudge recipe...

http://www.dailymail.co.uk/femail/article-2617771/An-enterprising-schoolboy-tasting-sweet-success-US-appearing-cover-childrens-Time-magazine-thanks-grandfathers-fudge-recipe.html

Edited By: seb on May 28, 2014 10:49
The real lesson here would be all the legislation they would have to learn in order to start a business to avoid breaking the rules. Then if they actually turned a profit presumably they would have to learn a whole bunch of tax law.
767

Free tea & coffee + biscuits + fruit + snacks + wifi + TV + use of iPads/Playstation + newspapers/magazines @ Virgin Money city centre lounges (plus relax in a Virgin upper class seat)

33
£0.00 @ Virgin Money
One of the more bizarre freebies that I came across on another site. If you are a Virgin money customer e.g. bank account, ISA, credit card ... you have free access to their city centre lounges. C… Read More
One of the more bizarre freebies that I came across on another site. If you are a Virgin money customer e.g. bank account, ISA, credit card ... you have free access to their city centre lounges. C…
Chanchi32 Avatar3y, 2m agoFound 3 years, 2 months ago33 Comments
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voted HOT!! :D
Neostar
The problem with this is that they charge a monthly fee for there bank account :(

? I made a Savings account. I would think that should be good enough.
loop
Currently only 4 in the UK. One in London, Norwich, Manchester and Edinburgh. Apparently entry is at the discretion of the lounge manager, and you may be refused entry when they are full (I've a feeling the London lounge will quickly become almost permanently jammed).
one at Crewe too
NikLP
Could you just get a CC and job done...?

Did! Or rather, doing.
Could you just get a CC and job done...?
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