0% interest on balance transfers for 26 months  /free 6-bottle Wine (RRP £55)
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0% interest on balance transfers for 26 months /free 6-bottle Wine (RRP £55)

20
Found 14th Aug 2013
0% interest on purchases for 6 months
From the date your account is opened, on purchases made in the first 60 days of account opening.
Enjoy a free 6-bottle case of Virgin Wine (RRP £55) if you are approved for the Virgin Balance Transfer Credit Card
Click here for full details
Available on applications made between 12 and 31 August 2013
To be eligible your application must be approved
Read the full terms and conditions
Not a wine drinker?
Choose a Virgin Experience Days voucher instead
Apply online now for an instant
decision †

20 Comments

3% fee for balance transfers. And a massive 18% on card purchases. Virgin Money are bandits in my humble opinion.

fairytooth

3% fee for balance transfers. And a massive 18% on card purchases. … 3% fee for balance transfers. And a massive 18% on card purchases. Virgin Money are bandits in my humble opinion.


Think you've missed the point of the post - this is for balance transfers, not new purchases. As an example, if you had a £1000 balance to transfer, 3% equates to £30.
Most people with such a large balance on a credit card that they are being charged 18%+ on would easily see savings of £30 over the 26 months....

No I didn't miss the point but felt like adding extra (missing) information (_;)

Thanks for the maths lesson though. 2 months in to the friendly welcome to Virgin Money the situation changes rather dramatically. That was MY point.

The card is aimed at those who want to transfer balances, and not in my view for those who are looking to make purchases. Although, if they do then they have 6 months 0% interest.

Even though you put 'my' in capital letters, I still fail to see your point. Maybe if you put everything in capital letters then I may have a clearer idea of what you mean

OK I give in. Go and get a card from them.

fairytooth

No I didn't miss the point but felt like adding extra (missing) … No I didn't miss the point but felt like adding extra (missing) information (_;)Thanks for the maths lesson though. 2 months in to the friendly welcome to Virgin Money the situation changes rather dramatically. That was MY point.



Please elaborate then on how the situation changed for you after two months?
I've had a Virgin Money card in the past, as well as other MBNA-backed cards and never had issues with them.
If the card is used for the purpose it is designed for (in this case purely for transferring an expensive balance from another card provider) then ther should never be an issue.
However, if you are eluding to the fact you have used the card to make purchase AS WELL as a balance transfer, then that is a whole different ball game - but then as I've already stated, this card is not designed for that....
People who require a card charging 0% on new purchases should instead look at the offering from Tesco or for those people with a slightly worse credit score, try the Fluid card.

fairytooth

No I didn't miss the point but felt like adding extra (missing) … No I didn't miss the point but felt like adding extra (missing) information (_;)Thanks for the maths lesson though. 2 months in to the friendly welcome to Virgin Money the situation changes rather dramatically. That was MY point.



Just come to the end of my 18 month 0% balance transfer period with Virgin Money, and have just completed a hop onto a new 0% card. All went smoothly. Not sure what you're digging at or if you've had a bad experience with VM customer services, but has worked fabulously and served it's purpose for me. Just wish they's had the free wine offer 18 months back ha!

You obviously missed my last post so here it is again for the hard of hearing

''OK I give in. Go and get a card from them.''

Heated.

26 months for 0% transfers is good if that's what you're looking for in a credit card. 3% is the general transfer fee.

With the vino thrown in, looks pretty decent to me.

Why would you vote this cold? It may not be for everyone but if you pay on the date due every month, and clear your balance in 26 months it's a hot deal. Chilean wine is not the best tho

fairytooth

No I didn't miss the point but felt like adding extra (missing) … No I didn't miss the point but felt like adding extra (missing) information (_;)Thanks for the maths lesson though. 2 months in to the friendly welcome to Virgin Money the situation changes rather dramatically. That was MY point.



I know nothing of Virgin Money but I took out a Tesco card after seeing the deal on HUKD and several people said it was a poor company to deal with I so wish I had taken note of that advice..............

If you are scrupulous with your money and follow the exact timescales for transfers then you can save a bit of money. Unfortunately these companies know that you are already in debt and, de facto, therefore you are not.

You also have to remember these companies are in it to make money, not as some might have you believe, just to do you a good turn. And I tried resisting saying it but isn't funny that all these self appointed 'expert' financial whizz-kids all seem to be in debt themselves. I have fortunately been debt free for many years which is why I did not rise to the bait offered earlier in the thread by them.

fairytooth

If you are scrupulous with your money and follow the exact timescales for … If you are scrupulous with your money and follow the exact timescales for transfers then you can save a bit of money. Unfortunately these companies know that you are already in debt and, de facto, therefore you are not.You also have to remember these companies are in it to make money, not as some might have you believe, just to do you a good turn. And I tried resisting saying it but isn't funny that all these self appointed 'expert' financial whizz-kids all seem to be in debt themselves. I have fortunately been debt free for many years which is why I did not rise to the bait offered earlier in the thread by them.



Yup, if only we could all be as perfect as you. What a model economy we'd live in.......

C.O.L.D
Good deal but....Terrible service and their customer service is rude and ruthless. Plus, keep an eye on when you actually receive your bill. It doesn't give you much time to pay it and they have no explanation as to why its late every month! Don't pay at the bank. Even if it is the one that they bank with, for some reason it still takes' 4 days to clear'.

MRPRO_MO2012

C.O.L.D Good deal but....Terrible service and their customer service is … C.O.L.D Good deal but....Terrible service and their customer service is rude and ruthless. Plus, keep an eye on when you actually receive your bill. It doesn't give you much time to pay it and they have no explanation as to why its late every month! Don't pay at the bank. Even if it is the one that they bank with, for some reason it still takes' 4 days to clear'.



Phew, at last, somebody who sees things as they really are. You are obviously not an employee of VM then

One of the main points of this is that you get the 6 free bottles of wine simply by being approved for the card. You don't have to transfer or buy anything. There isn't a joining fee. In fact, you don't have to do anything. Just cut the card up and put it in the bin just as soon as you get it, if you like. And, if the wine doesn't arrive, what have you lost. Just a little information that could be found out about you anyway.
Edited by: "Magister" 21st Aug 2013

Any one know how I go about getting my wine got the card over the weekend but no wine or info on how to claim the wine as the wine is the reason I went for the card it will go in the bin once I get the wine ;-)

Bump!
babyboya - did you find out how to claim? I also received my card this week but no mention of the wine promotion.

I ordered this card and it's seems like a good deal, if not just for the wine. I received an email asking me to enter delivery address for the wine about 3 days after I had received the card through the post.

I think *everyone* missed the point. Sign up for card. Get free wine. Close account without ever having used the card!

I received my card and activated it. I got an email a couple of days later with a link to order the wine online. The wine turned up yesterday.

Activate the card if you haven't already.
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