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NEW CREDIT CARD OFFER: 0% for 9 months with NO FEE! with VIRGIN MONEY
NEW CREDIT CARD OFFER:  0% for 9 months with NO FEE! with VIRGIN MONEY

NEW CREDIT CARD OFFER: 0% for 9 months with NO FEE! with VIRGIN MONEY

I was looking for a credit card to switch my balance on and was comparing it on moneysupermarket.com and saw this offer, looks to good to be true really as there is no fee at all for balance transfers! and a full 9 months normaly you'd pay between 2.5%-3% fee. This has got to be the best credit card offer for years and defo the best one at the moment!

Plus you get 3months 0% on purchases, standard apr is 16.6% which is not bad.

Hope my credit rating is good enough to get one! i hate being a slave to banks and credit cards but i have no choice im so broke and so in debt, every little helps

50 Comments

Great if you need one! Like me!

Mainly cos of this site! It's meant to save you money!! But I seem to spend mine on loads of cheap deals that I wouldn't normally find without HUKD

Original Poster

the offer is there just look in the credit card bit and its a little box with a virgin card in it click it and off you

moneysupermarket.com/car…png

this is the link to the offer if any one can tell me how to put the pic up i will


Card benefits

As well as a great rate, the Virgin Credit Card comes with no annual fee and up to 50 days interest free†† on your card purchases.

Plus all these great benefits too:

* A discount scheme like no other
* Free Purchase Protection Insurance** (policy summary)
* Free Travel Accident Insurance** (policy summary)
* And you can run your account online 24/7, or by phone



0% on balance transfers for 9 months* and no balance transfer fee (offer applies to transfers made in the first 60 days), 0% on card purchases for 3 months*† , 16.6% APR Typical rate (variable)

uk.virginmoney.com/vir…jsp

Original Poster

bobsuruncle;6001341

You may find this link more helpfulhttp://www.moneysupermarket.com/cards/




ive tried but it aint working, goes to summat else for some reason, can someone please edit my deal and correct it, thanks.

Its MBNA isnt it, so you may not get it if you have one of there various cards already

BEWARE!!!

I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.

Thanks for that just what i needed :thumbsup:
Have some heat+Rep

Original Poster

Stingyzoidberg;6001433

Thanks for that just what i needed :thumbsup:Have some heat+Rep



thank you, i do my best! lol.

NitrousUK;6001403

BEWARE!!!I transferred a balance to a Virgin card (which is actually … BEWARE!!!I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.




Thats your fault not theres , and pretty much standard across all credit card companys.

If you phone them they do let you off once and give you a ticking off and tell you not to do it again

NitrousUK;6001403

BEWARE!!!I transferred a balance to a Virgin card (which is actually … BEWARE!!!I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.



Beware dont miss your payments!

mod

Deal changed to Virgin Money. The "Go To Deal" link will now go to the correct page

andywedge

NitrousUK;6001403

BEWARE!!!I transferred a balance to a Virgin card (which is actually … BEWARE!!!I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.



set up a direct debit they only ever take out £25 as the mininum payment

NitrousUK;6001403

BEWARE!!!I transferred a balance to a Virgin card (which is actually … BEWARE!!!I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.



Easy solution. Just set up a direct debit to pay the minimum each month

Virgin also let you do super balance transfers on their cards, so if you don't have a balance you need transferring to it, you can take the full amount from the credit card, stick it in your current account, and put it in a high-interest saver for the duration of the 0%, make a bit of money from the credit card company

You get cheques to do the balance transfers with this card i believe, so even if you don't have another card write a cheque for the full credit limit out to yourself, pay it into your current a/c and then transfer to the best savings rate you can find for 9 months. Then pay it off in full and keep the interest. It won't be much but every little helps.

Well done m00se, you beat me to it.

credit cards are evil. Stay away !!!!!!!!!

Does this card have any kind of annual fee or is it "free" to use so to speak?

fantastic- thanks!

NitrousUK;6001403

BEWARE!!!I transferred a balance to a Virgin card (which is actually … BEWARE!!!I transferred a balance to a Virgin card (which is actually through MBNA) and because i missed one payment date (by about 3 days), they took away the interest free promotion and slapped me onto 26% rate, and because I dumped all my balance onto this card its hard to get another card with sufficient credit to transfer to, since banks seem to be super stingy atm. So I basically got F'ed in the A and lost *alot* of money.



sorry....did you say you missed a payment or didn't read the T&Cs?....

first rule if you do this....set up a DD for the minimum amount each month....then pay what you want over and above that amount....first rule of moneysaving and card stoooozing...

doesn't make this a cold deal...so hot from me...

Banned

I closed a Virgin credit card about 6 months ago, am I able to reapply for this one, do I need to wait a certain amount of time or anything ?

raybog;6002640

Does this card have any kind of annual fee or is it "free" to use so to … Does this card have any kind of annual fee or is it "free" to use so to speak?



There is no annual fee :thumbsup:

is there anywhere to check which cards are mbna cards. I have an egg money card and this will be ideal to fund something i want to buy

I had a virgin account closed by them a month ago as i never used it and ive just applied and got a £4k limit which is more than i have outstanding on credit cards so happy days

Tesco's credit card is 0% for 12 months on new transactions plus you get the clubcard points as well. Also 0% on balance transfers for 6 months.
tescofinance.com/per…jsp

Master G;6002617

You get cheques to do the balance transfers with this card i believe, so … You get cheques to do the balance transfers with this card i believe, so even if you don't have another card write a cheque for the full credit limit out to yourself, pay it into your current a/c and then transfer to the best savings rate you can find for 9 months. Then pay it off in full and keep the interest. It won't be much but every little helps.Well done m00se, you beat me to it.



There is a 2.98% handling fee on all cheques, from the very beginning of the account

...also note that you can't transfer from credit cards issued by MBNA .. Read conditions before deciding

heat and rep added, I have applied and got one!!! I have been transferring an amount of money on 0% credit cards for about 8 years, and never had one with no charge!

Do you get an instant decision or do you have to wait for one ?

Stick to the terms, and be sure you can pay it off at the end of the nine months, and this is a hot deal.

However, don't take any notice of the 16.6% standard APR, especially if you will only be paying the minimum.

MBNA WILL increase your interest rate, typically to 30 or 35%. As the minimum is mostly made up of interest (I think it's £5 + interest) this will greatly increase the minimum payment - if you're living on a knife edge it could be enough to throw you into crisis.

This is the whole point of the deal.

For a stoozer this is great. For anyone who's in debt and just looking to reduce the cost of that debt - be very, very careful. The interest rate after the deal ends is VARIABLE!!!

zubamba;6002877

Tesco's credit card is 0% for 12 months on new transactions plus you get … Tesco's credit card is 0% for 12 months on new transactions plus you get the clubcard points as well. Also 0% on balance transfers for 6 months.http://www.tescofinance.com/personal/finance/finance/creditcards/index.jsp



Beware with this one though as its hard to get! my mrs was refused and she works for Tesco :w00t:
may have something to do with only being in our property since Nov 08

Sorry to rain on your parade but the cynic in me is saying that this was straight from the MSE email today, not that you were just looking for a new credit card.

Perhaps it's a big coincident but methinks not. In which case you should have given credit where it's due rather than make up some BS story.

bodderz;6003240

Sorry to rain on your parade but the cynic in me is saying that this was … Sorry to rain on your parade but the cynic in me is saying that this was straight from the MSE email today, not that you were just looking for a new credit card.Perhaps it's a big coincident but methinks not. In which case you should have given credit where it's due rather than make up some BS story.




my thoughts too

http://hmvblogs.typepad.com/hmvblogs/images/2008/07/16/kennethwilliams.jpg

sue_1;6003007

Do you get an instant decision or do you have to wait for one ?


You get instant decision online

Original Poster

I actually saw this yesterday but only applied today as i was at work!

Well I just applied and got declined. First time I've ever been declined credit and I've had a lot of credit! Hmmm

Still I have got two credit cards with balances on and an overdraft. I also have just bought another house to rent out so perhaps that could have done it. Shame that as I need a 0%.

doesn't give and option to fill in a 3rd address, I have lived in 3 places in the last 3 years. Guess that would be an automatic rejection for me so that's as far as I went.

Play.com have an MBNA Visa card with 0% on purchases for 9 months (not sure on transfers) and you get 1 or 2% voucher cashback on purchases for play.com

m00se;6002579

Virgin also let you do super balance transfers on their cards, so if you … Virgin also let you do super balance transfers on their cards, so if you don't have a balance you need transferring to it, you can take the full amount from the credit card, stick it in your current account, and put it in a high-interest saver for the duration of the 0%, make a bit of money from the credit card company


woh reallly is there a fee for that?
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