Virgin Credit Card

Review:
The Virgin Credit Card is issued by MBNA Europe Bank Limited. Virgin must be one of the best known brands in the UK today. Now Virgin have branched into the credit card market. With an innovative product Virgin have come up with a very competitive credit card. Two configurations to choose from to best suit your personal circumstances.

The cards give you access to Virgins exclusive members shop where you can spend your reward points earned on all Virgin credit cards. The members shop is where you'll find the deals on all sorts of products from holidays and booze to CDs, cosmetics and mobile phones. Every full £1 you spend on your purchases will earn you a point to spend in the shop.

Type	MasterCard
Reward Points	this is longer offered and ceased at the end of September 2006
Cash Back	no
Online application and management	yes full 24/7 online account management
Introductory offers:
Balance Transfers	0% p.a. on balance transfers for 15 months from opening your new account 2.98% handling fee (minimum £3) 0% Balance transfers are from when you activate your card. If you transfer a balance one month after activating your card your get 0% for one month less than the headline introductory period and so on.
introductory offer:	Purchases: 0% p.a. on card purchases for 3 months from the date your account is opened.
Long term APR (Standard Typical rate)	Purchases: typical 15.9% APR variable
Cash Advances (withdrawals)	24.9% APR. £3 or 3% whichever is greater.
Minimum Repayment	3% of your balance (min. £5) or charges for Payment Protection Cover plus interest and fees, plus £5 or total your balance if it's less than £25.
Annual Fee	none
non sterling transactions	2.75% of the amount of the transaction
Interest Free Period	up to 50 days for purchases.
Other fee's	2.5% handling fee (min. £3) for credit card cheques and balance transfers. 3% handling fee (min. £3) for cash transactions (including money transfers). over limit fee, paying late or bounced payment £12.
Credit Limit	up to £50,000
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Virgin credit card Other Facts:

Online management

change the Virgin Credit Card twice a year free of charge

Statements are posted

credit card cheques supplied

no annual fee

Free 24 hour telephone helpline - 365 days a year, wherever you are in the world.

Free insurances - your card comes with valuable fraud protection, purchase protection and travel accident insurances

Pick from a range of Virgin card designs - you choose on the application form.

Discounts from other Virgin Group Companies when paying with your Virgin Credit Card

The Virgin Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ. Registered office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England no. 3072766. Entered on the Financial Services
Authority's Register http://www.fsa.gov.uk/register/. Register Number 179271. All products are open only to residents of the United Kingdom. All calls are recorded and randomly monitored.