Virgin Credit Card 0% interest for 40 months on balance or Money transfers
388°Expired

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

45
Found 1st Sep 2015
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 from another credit or store card and get 40 months 0% to pay it off.

0% for 40 months on money transfers, with a fee of 4%
Pay money into your current account from your credit card to pay off other debt you may have elsewhere.

0% for 3 months on card purchases
From the date your account is opened.

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45 Comments
Already posted
Already Posted
nope...cannot see any active deals
thank you for this - came back approved with a limit of £12,000.

I have a balance of £5000 to transfer over to it which will be left alone and paid off as I am going along.

It does surprise me how easily they still give out these huge credit limits - I went for a Never Mind The **** card !

Dave
Edited by: "whiteswan" 1st Sep 2015
lewsca

http://www.hotukdeals.com/deals/virgin-credit-card-40-months-interest-free-uk-s-longest-balance-transfer-2267891


not an active deal
just applied and got stung again like i did by barclays 6 months ago who were offering 33 months interest free , got avcepted but gave me 6 months. Applied for this and entered all transfer details only to be given a card for 2500, nowhere near what i asked for. I accept credit checks etc which mine is excellent need to be done but they should give you an option to accept at the end if it isnt what you asked for
Avatar
deleted402533
kingkhan9

not an active deal



​it's the same deal just that someone has incorrectly expired it.
same as before
kingkhan9

nope...cannot see any active deals


EXACT SAME as previous post.
My comments in previous EXACT SAME post stand.......
mrimac94
Also 24 months 0% on purchases here: uk.virginmoney.com/vir…rd/
In my opinion the above link to the 24 month card is much better value.
0% on purchases for 2 years, (only 3 months with OP deal)
0% on bal transfers for 2 years, with just a 1% fee, so to transfer £3000 would cost you £30, (the op deal whilst longer 0% period, the 2.99% fee makes the same transfer have a £89.70 fee)
0% cash transfers are also for 2 years but only charge 1.9% so borrow £1000 would cost you £19 fee (op deal £1000 cash at 4% would cost you £40 fee.)
Fee should be included in the title...
Hmm
Other deal should be unexpired
who underwrite s Virgin these days..used to be mbna?
blinking keyboard... I am not asking to underwrite a virgin by the way
I really appreciate for all the comments about already posted. firstly when I searched, I couldn't find, 2nd it is showing expired, 3rd I cannot unexpire that. I am happy even if someone wants to expire this and unexpire the old post. All my intention was to pass the deal to the people as I found it really useful. Hope that helps.
Dolphin01

who underwrite s Virgin these days..used to be mbna?


It's in house now
virgin.com/new…eal
Hi does balance transferring and keeping it for too long effect your credit rating ..? Thank in advance
Thanks for posting!!! Got accepted with a £9k limit, hopefully I'll be able to get the full 40 months deal and I can buy a new motorbike
can i transfer my wife credit card balance in to this even im the account holder?
BigDan1190

Thanks for posting!!! Got accepted with a £9k limit, hopefully I'll be … Thanks for posting!!! Got accepted with a £9k limit, hopefully I'll be able to get the full 40 months deal and I can buy a new motorbike



​i did the same for a new bike. however virgin took ages to accept as application was deferred.. I sent passport and other proof of address copies and twice the customer service team said they hadn't received. instead went for the MBNA deal and got accepted and approved within a few minutes and for much more.
does it affect your credit rating if you apply for too many cards? is your credit rating affected if you cancel credit cards because I just don't use it. is there a 'trick' to get a higher limit?
EN1GMA

does it affect your credit rating if you apply for too many cards? is … does it affect your credit rating if you apply for too many cards? is your credit rating affected if you cancel credit cards because I just don't use it. is there a 'trick' to get a higher limit?



In a nutshell, yes. Apply for one card, preferably an introductory card if you don't have a very good credit score. Pay off the balance in full over a period of time and gradually your score will increase, which will lead to higher limits and access to better credit deals.
Mughees

Already Posted


"Already posted" already posted.
Avatar
deleted1032520
thewisebluecat

just applied and got stung again like i did by barclays 6 months ago who … just applied and got stung again like i did by barclays 6 months ago who were offering 33 months interest free , got avcepted but gave me 6 months. Applied for this and entered all transfer details only to be given a card for 2500, nowhere near what i asked for. I accept credit checks etc which mine is excellent need to be done but they should give you an option to accept at the end if it isnt what you asked for



​Goes on credit score AND affordability you could have a perfect credit score but they will still lend what they believe is within your means.

Banks can get fined and have the dept written off if they don't adhere to the responsible lending.
Avatar
deleted1032520
abdishah

​i did the same for a new bike. however virgin took ages to accept as a … ​i did the same for a new bike. however virgin took ages to accept as application was deferred.. I sent passport and other proof of address copies and twice the customer service team said they hadn't received. instead went for the MBNA deal and got accepted and approved within a few minutes and for much more.



​That's odd MBNA are the bank that is behind Virgin credit cards.....at least they were when I had one.
Avatar
deleted1032520
erwinjoy

can i transfer my wife credit card balance in to this even im the account … can i transfer my wife credit card balance in to this even im the account holder?



​Yes, but if she runs off with the postman you'll be liable to pay it.
BigDan1190

Thanks for posting!!! Got accepted with a £9k limit, hopefully I'll be … Thanks for posting!!! Got accepted with a £9k limit, hopefully I'll be able to get the full 40 months deal and I can buy a new motorbike


Are we allowed to use this credit card for 40 months interest free spending though? I thought it's just balance transfers, it says card purchases are only 0% for 3 months.
Company not as good now moved away from MBNA
salmankhan123

Are we allowed to use this credit card for 40 months interest free … Are we allowed to use this credit card for 40 months interest free spending though? I thought it's just balance transfers, it says card purchases are only 0% for 3 months.



"... or Money transfers".

Its in the title bud!
salmankhan123

Are we allowed to use this credit card for 40 months interest free … Are we allowed to use this credit card for 40 months interest free spending though? I thought it's just balance transfers, it says card purchases are only 0% for 3 months.


Nope...you can transfer money into account with 4% fee. as it says, for purchases it is only 3 months interest free
Avatar
deleted1032520
Our pay it with another credit card then immediately transfer the balance making the fees cheaper.
For those wishing to do a money transfer at 4% fee. DONT. You can do the following at the lower fee -
* balance transfer to one of your other regular cards (fee would be 2.99%)
* Typically this will put the card in credit
* call up your card provider and ask them to transfer the money to your bank account.
Only once did a CC provider grumble a bit but then I asked them to close the account. This meant they would have to transfer the money to my bank account anyway so they relented and did the transfer.

I have always done the above process at least 5-6 times over the years that I have been stoozing and never been refused.

I am planning to go for this Virgin offer and will save approx. £200 using this process. So for those with large BT amounts this is worthwhile.
cheers

Edited by: "cloudchaser" 3rd Sep 2015
I am an existing Virgin CC holder and they offered 20 months % BT for a fee of 3.5% .... so not as good as the offer for new customers.
Edited by: "cloudchaser" 3rd Sep 2015
thewisebluecat

just applied and got stung again like i did by barclays 6 months ago who … just applied and got stung again like i did by barclays 6 months ago who were offering 33 months interest free , got avcepted but gave me 6 months. Applied for this and entered all transfer details only to be given a card for 2500, nowhere near what i asked for. I accept credit checks etc which mine is excellent need to be done but they should give you an option to accept at the end if it isnt what you asked for



I never tick the balance transfer boxes. I always get the card and then do a balance transfer after receiving the card. It works for me. This is the first card that hasn't asked for other credit card details.
cloudchaser

For those wishing to do a money transfer at 4% fee. DONT. You can do the … For those wishing to do a money transfer at 4% fee. DONT. You can do the following at the lower fee - * balance transfer to one of your other regular cards (fee would be 2.99%)* Typically this will put the card in credit * call up your card provider and ask them to transfer the money to your bank account.Only once did a CC provider grumble a bit but then I asked them to close the account. This meant they would have to transfer the money to my bank account anyway so they relented and did the transfer.I have always done the above process at least 5-6 times over the years that I have been stoozing and never been refused.I am planning to go for this Virgin offer and will save approx. £200 using this process. So for those with large BT amounts this is worthwhile.cheers




Mate what if you only have one other credit cards. I've got only the 1 credit card that has just over £6000 balance on it and want to move it to Virgin since I can get the interest free for 40 months.

I plan to get a balance transfer from my current credit card to the Virgin and then cancel the current card.

You think this is wise ?
cloudchaser

For those wishing to do a money transfer at 4% fee. DONT. You can do the … For those wishing to do a money transfer at 4% fee. DONT. You can do the following at the lower fee - * balance transfer to one of your other regular cards (fee would be 2.99%)* Typically this will put the card in credit * call up your card provider and ask them to transfer the money to your bank account.Only once did a CC provider grumble a bit but then I asked them to close the account. This meant they would have to transfer the money to my bank account anyway so they relented and did the transfer.I have always done the above process at least 5-6 times over the years that I have been stoozing and never been refused.I am planning to go for this Virgin offer and will save approx. £200 using this process. So for those with large BT amounts this is worthwhile.cheers


What do you say the reasons why the account is in credit?
They might think that is wrong, isn't it?

You can move it but then only you can decide on closing because you will need a card to do regular spends. If you have only the Virgin CC and then do regular transactions on it the interest charges will kick in. I would recommend not closing existing CC once its been paid of by the BT. Just use it for regular spends and pay off in full every month.

mrsmalls

Mate what if you only have one other credit cards. I've got only the 1 … Mate what if you only have one other credit cards. I've got only the 1 credit card that has just over £6000 balance on it and want to move it to Virgin since I can get the interest free for 40 months. I plan to get a balance transfer from my current credit card to the Virgin and then cancel the current card.You think this is wise ?


I just tell them I did in error. If they complain and say they are not fine then just ask them to close the account and then transfer the funds to your nominated account. From what I recollect only one provider was a bit grumpy to do the transfer but relented when I asked to close the account.

kingkhan9

What do you say the reasons why the account is in credit?They might think … What do you say the reasons why the account is in credit?They might think that is wrong, isn't it?


cloudchaser

I just tell them I did in error. If they complain and say they are not … I just tell them I did in error. If they complain and say they are not fine then just ask them to close the account and then transfer the funds to your nominated account. From what I recollect only one provider was a bit grumpy to do the transfer but relented when I asked to close the account.


Do they not revert the transaction and send the money where it came from?
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