Virgin Atlantic Credit Card - Air Miles

mosfet

Hi all,

I am new to this forum and i am looking for some advice regarding credit cards
At the moment i currently pay for everything using my debit card.
However i have been reading some of the rewards for using a credit card. With the virgin credit card (white) you can earn 1 air mile for every £1 spent.
Would i be better using this credit card to pay for everything then pay the balance off at the end of the month. This way i would earn air miles for every pound i spend. (I am a regular traveller so this is appealing)

Is there a catch or any drawbacks to this method, am i charged at all for using a credit card? (Assuming i pay off the balance each month)

Cheers

mosfet

does anyone have any thoughts, cheers

bunty109

If it is a bog standard credit card then it's unlikely there will be any charges for doing what you say. It's what I do with my card for everyday spending (I accrue clubcard points with Tesco). Usually there's a bonus of the fact you'll be covered if you purchase things online etc if they don't arrive.

Check the terms and conditions of the card to see if there's a yearly charge, I think you'll probably be fine to do as you suggest.

NickX

bunty109 wrote: »

Check the terms and conditions of the card to see if there's a yearly charge, I think you'll probably be fine to do as you suggest.

There is no annual charge for the Virgin Atlantic Amex White Card.

billbob

I have been using this card for a while now and the flying miles have stacked up quite quickly. The card is managed by MBNA who have not been too bad, staff have even told me how to avoid their automated systems.

My only moan about this card is that when booking a flight with Virgin Atlantic they charge a credit card booking fee for using their own card. I complained about this after booking a flight and was told they could not do anything to avoid their cardholders being charged as it was a system issue. However BMI offer a credit through MBNA with a benefit being no credit card charge.

_Andy_

mosfet wrote: »

does anyone have any thoughts, cheers

If you fly Virgin then it's well worth it (I have the Black card - 2 miles per £ spend). Obviously if you don't fly Virgin then I'd question if it's worth it.

iereboy

Hey,

I love my Virgin Atlantic credit Card. I purchase every single thing on it, no matter how small. The scheme is fantastic. Make sure and join the air miles scheme (flying club) before you apply for it and let them know your air miles account number when applying for the card. There are so many ways to earn miles as well, wine club, virgin games, virgin holidays etc. I have nearly 50 000 miles. Once I get 50 000 I can go to Tobago for free. The only down side is when buying a flight tho is there is a 2% credit card fee which I think is TOTALLY WRONG! Oh yeah although they say the flight is "free", you still have to pay taxes on it. Nevetheless its really good. You get 3000 airmiles for getting the card as well.

OH a cheeky bit, if you want to join flying club, send me a message and I'll send you a referral link. I'm desperate to go to Tobago to see my folks!:rotfl:

As per usual pay off your credit card in full every month. No point buying everything on it just for the points!

oxmatt

I use the black one too and have had a couple of decent premium economy flights and 3 upper class ones with the miles (be aware you still need to pay the taxes so free economy flights aren't really worth it).

Think about how much you spend and whether the card fee for the black card may be worth it to get twice as many miles and the other little perks.

dtagoe76

Is it possible to just pay your mortgage with the credit card every month and then pay off the card with your normal mortgage payment and save miles that way?

I assume not as otherwise everyone would be doing it.!! :A

_Andy_

dtagoe76 wrote: »

Is it possible to just pay your mortgage with the credit card every month and then pay off the card with your normal mortgage payment and save miles that way?

I assume not as otherwise everyone would be doing it.!! :A

Depends on lender, do a search of the forums, it's been discussed many times before.