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virgin credit card balance transfer 30 months at 0% with 0.55% fee
virgin credit card balance transfer 30 months at 0% with 0.55% fee

virgin credit card balance transfer 30 months at 0% with 0.55% fee

Virgin have a number of balance transfer cards with different terms and fees up to 3% but the best two we found were

30 months 0% on balance transfers with a 0.55% transfer fee
32 months 0% on balance transfers with a 0.6% transfer fee
24 months 0% on balance transfers with a 0% transfer fee

I'd never recommend getting a credit card but if you already have a credit card it's a great idea to switch your balance to a 0% card and use the
money you save to pay off the balance.
At the end of the term move the balance to the next 0% offer to avoid paying any interest.

6 Comments

Ahhh thought this was on money transfers. Been holding out on the 2.9% fee. Thought it had finally dropped

Original Poster

2015

Ahhh thought this was on money transfers. Been holding out on the 2.9% … Ahhh thought this was on money transfers. Been holding out on the 2.9% fee. Thought it had finally dropped



Money transfers never seem to go low. Best way is to withdraw funds on your old card and then do a balance transfer

gonoel23 m ago

Money transfers never seem to go low. Best way is to withdraw funds on …Money transfers never seem to go low. Best way is to withdraw funds on your old card and then do a balance transfer


Cash withdrawals can hurt your credit rating so I use a low rate mule card with no handling fee for money transfers, then BT from that. But .... can money transfers to a current account hurt your credit rating n the same way as cash withdrawals?

Original Poster

gwapenut

Cash withdrawals can hurt your credit rating so I use a low rate mule … Cash withdrawals can hurt your credit rating so I use a low rate mule card with no handling fee for money transfers, then BT from that. But .... can money transfers to a current account hurt your credit rating n the same way as cash withdrawals?



Money transfers on a new card along with balance transfers cards all temporarily effect your credit rating in the same way that a new credit card application will hurt your credit rating. Even an increase in your credit limit on an existing card will lower your credit rating temporarily.

Stupid question... can you get a second card if you already have one and transfer from that?

Original Poster

There's no such thing as a stupid question.
You normally can't get a balance transfer card if you already have a card with that bank.
There are plenty of balance transfer cards out there that you can transfer your current balance. This one is a good deal but there are others you can get if you already have a virgin card. The 0% periods range up to 40 months but you want a low transfer fee to make it worthwhile.
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