Virgin 40 months 0% interest free balance transfer with a low 1.7% fee
288°Expired

Virgin 40 months 0% interest free balance transfer with a low 1.7% fee

10
Found 31st Jul
This Virgin Money* card offers more than three years at 0%, with a lower fee than the the highest card at 41 months. This is one of the lowest fees i've seen for 40 months

Also if you can pay your balance off in 38 months then virgin do the fee for 1.5% not bad considering the amount if time you have interest free

Need-to-knows
You need to transfer a balance in the first 60 days to get the 0% interest period.
You'll either get the whole 38 or 40 months 0% or be rejected.
You can't transfer a balance from another Virgin Money card.
This card accepts transfers from UK-issued Amex cards.
After the 0%, it's 20.9% interest on any remaining transferred debt.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.

What I like about Virgin is you'll get the advertised rate or be rejected. You will not get less months or higher apr's

There is a range of cards for everyone

10 Comments

Original Poster

Lots of choices with fees etc.. If you can pay of quicker then go for less months as the fees are lower

Balance Transfer Credit Cards

Balance transfers
0% for 41 months
3.00% fee
Money transfers
0% for 41 months
3.80% fee
Purchases
0% for 3 months
View 41 Month Balance Transfer Credit Card
Representative example: Purchase rate 20.9% p.a. (variable) on card purchases. Equivalent to 20.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Balance transfers
0% for 40 months
1.70% fee
Money transfers
0% for 40 months
3.80% fee
Purchases
0% for 3 months
View 40 Month Balance Transfer Credit Card
Representative example: Purchase rate 20.9% p.a. (variable) on card purchases. Equivalent to 20.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Balance transfers
0% for 38 months
1.50% fee
Money transfers
0% for 20 months
1.90% fee
Purchases
0% for 3 months
View 38 Month Balance Transfer Credit Card
Representative example: Purchase rate 20.9% p.a. (variable) on card purchases. Equivalent to 20.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Balance transfers
0% for 32 months
0.60% fee
Money transfers
0% for 32 months
4.00% fee
Purchases
0% for 3 months
View 32 Month Balance Transfer Credit Card
Representative example: Purchase rate 19.9% p.a. (variable) on card purchases. Equivalent to 19.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Balance transfers
0% for 30 months
0.55% fee
Money transfers
0% for 30 months
4.00% fee
Purchases
0% for 3 months
View 30 Month Balance Transfer Credit Card
Representative example: Purchase rate 19.9% p.a. (variable) on card purchases. Equivalent to 19.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Balance transfers
0% for 24 months
0% fee
Money transfers
0% for 24 months
4.00% fee
Purchases
0% for 3 months
View 24 Month Balance Transfer Credit Card
Representative example: Purchase rate 19.9% p.a. (variable) on card purchases. Equivalent to 19.9% APR representative (variable). Based on borrowing of £1,200.
Credit limits will vary based on your individual circumstances.

Original Poster

Whats this new website? Hiw do i go back to the old one this is awful

Probably a daft question, but is there a lower limit to the balance transfer? If I have a credit card with say only £300 of debt, would that fullfil the need to tranfer a balance in the first 60 days?

Anon3257 m ago

Whats this new website? Hiw do i go back to the old one this is awful



No going back I'm afraid. But HUKD are continuing to develop the new site so I'm sure the look will steadily improve in time.

They've also got a 28 month 0% purchase card that will do Balance transfers at 0% for 18 months (2.00% fee) and Money transfers 0% for 18 months (3.00% fee)too.

I know 'cos I just grabbed one.

Its never been so cheap to get sucked into debt.

Great deal.. in a way
Edited by: "anthony69" 1st Aug

Original Poster

premierfella1 h, 45 m ago

No going back I'm afraid. But HUKD are continuing to develop the new site …No going back I'm afraid. But HUKD are continuing to develop the new site so I'm sure the look will steadily improve in time.


Can they put how long ago a deal was posted and not the date. Why do things have to be changed that don't need changing. Why does it have to say original poster after my name surely that is obvious as it says at the top. I know people don't like change but something that wasn't broken why waste time chagning stuff that doesn't need to be

2years 0% is obviously the best deal

We have a car loan with First Direct (which has about 1 year left @ 4.5% and an O/S balance of about £3k which was done via the equity on our mortgage with them).

Should it be possible to get them to move the £3k into our FD current account and then transfer over to this card as a balance transfer ? If so, would it be worth it ?

Original Poster

AdamBrunt10 m ago

We have a car loan with First Direct (which has about 1 year left @ 4.5% …We have a car loan with First Direct (which has about 1 year left @ 4.5% and an O/S balance of about £3k which was done via the equity on our mortgage with them).Should it be possible to get them to move the £3k into our FD current account and then transfer over to this card as a balance transfer ? If so, would it be worth it ?


I'm not sure what you mean a balance transfer is debt from exisiting cards to another card you cannot balance transfer mortgage debt to a card.

You're saying you can move the money to your current account but its debt so you'll have a negative balance and you need to have 3k overdraft with them to be able to do that! They will charge an apr for this

Then you could move it to a credit card but it would normally be a money transfer card with a fee of about 3% making it £90 quid to transfer it might work out cheaper than paying 4.5% apr but to be honest you'd be better just paying it off quicker rather than all this hassle
Edited by: "Anon32" 6th Aug
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