All Round Credit Card 3 in 1 - 24 Months 0% Balance Transfers / Purchases / Money Transfers @ Virgin Money
70°Expired

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

21
Found 15th Jul 2015
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 transfers 1.9% fee

money transfers are very rare for credit cards so a great deal all round if you are after it. 24 months 0% on purchases is the best deal out there at the moment.

21 Comments

Original Poster

why is this still cold ? (_;)

Looks good to me

Original Poster

s9609642s

Looks good to me



​longest 0% on purchases out there. A low 1% fee for balances, its great. I think that there are a lot of virgin money haters voting cold without looking at the deal

Thanks OP! 0% for 24 months on purchases. Great.

Original Poster

If you wanting to vote cold it would be nice to leave a comment so that others can see why X)

this is hot surely best card there is? OP ignore cold voters

Original Poster

exexpat

this is hot surely best card there is? OP ignore cold voters



​yeah I think it's hot thanks

Was just going to post myself! Great card. Heat added.

Original Poster

baz84

Was just going to post myself! Great card. Heat added.



​You're be glad you didn't spent most of yesterday in the cold I thought it would have got a little more heat than it has but yes a great card

Just trying to get my head around how cards work.

I have £2000 debt on a card right now, been paying the minimum £60 back per month but interest is like £40 so only knocking it down £20 a month.

If I take this card all my debt then transfers to this card and i pay an initial fee of £20 (1% of £2000) then I dont get charged interest every month?

so if i kept paying £60 a month off the debt it would look like this

1st month - 2000
2nd month- 1940
3rd month- 1880
4th - 1820

etc etc

is this right or did i get something wrong, sorry guys i have no idea about these things but am trying to get back to 0.

Original Poster

runnerrunner

Just trying to get my head around how cards work.I have £2000 debt on a … Just trying to get my head around how cards work.I have £2000 debt on a card right now, been paying the minimum £60 back per month but interest is like £40 so only knocking it down £20 a month.If I take this card all my debt then transfers to this card and i pay an initial fee of £20 (1% of £2000) then I dont get charged interest every month?so if i kept paying £60 a month off the debt it would look like this 1st month - 20002nd month- 19403rd month- 18804th - 1820etc etcis this right or did i get something wrong, sorry guys i have no idea about these things but am trying to get back to 0.



​Yes that is correct but remember the fee would be added to the balance as well so it would be £2020 but that would be interest free for 24 months

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!

dmannn

In theory the best credit card out there. Granted the post office have a … 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!



Without intending to be too nosey ... are you happy with the credit limit they gave you?

I am thinking about applying for this primarily for the balance transfer facility but the 0% purchases will be useless if the credit limit is eaten up by the transfer.

JohnnyUtah

Without intending to be too nosey ... are you happy with the credit limit … Without intending to be too nosey ... are you happy with the credit limit they gave you?I am thinking about applying for this primarily for the balance transfer facility but the 0% purchases will be useless if the credit limit is eaten up by the transfer.



Yes, very happy with the credit limit, to put it bluntly, they gave me a £4k credit limit. I transferred over £1400 with £14 added onto the credit amount from the 1% credit fee. Very happy with this card and was very easy to activate and setup for online transfers etc.

I thought £4k was very generous, I don't have a bad credit rating though so everyones credit limit will be different in their own personal circumstances. Hope this helps.

dmannn

Yes, very happy with the credit limit, to put it bluntly, they gave me a … Yes, very happy with the credit limit, to put it bluntly, they gave me a £4k credit limit. I transferred over £1400 with £14 added onto the credit amount from the 1% credit fee. Very happy with this card and was very easy to activate and setup for online transfers etc. I thought £4k was very generous, I don't have a bad credit rating though so everyones credit limit will be different in their own personal circumstances. Hope this helps.



Thanks for your feedback. My circumstances will have indeed have an effect so I might have to wait and see what they offer.

dmannn

In theory the best credit card out there. Granted the post office have a … 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!!

baz84

Out of interest, how long did it take for them to approve your … 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

Hi Baz84,They actually approved my application immediately. As I said to … 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.

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

Original Poster

dannyv92

Sorry to maybe repeat what's been said, but if I apply for this card I … 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.
Post a comment
Avatar
@
    Text