Virgin Credit card = awsome

JDMYOFAN

Having just come out of the MBNA Platinum 0% balance transfer period, which I forgot, I recieved a bill for £70 intererst! :T


So took up the virgin credit card, bloody helpful, increased my credit limit, transferred the money there and then, March 2010 = interest free! Direct debit set up to ensure I never miss a payment (else the 0% expires).

So 12 months to pay it off!

Sorry but I do love MBNA. All their numbers are 0800, they also have a callback feature, great if you're calling off your mobile.

:beer:

Former_Spice

Just don't let them talk you into taking out their outragously overpriced payment protection insurance which they will use high pressure sales tactics to push at every opportunity.

darkcloudi

nj106 wrote: »

Having just come out of the MBNA Platinum 0% balance transfer period, which I forgot, I recieved a bill for £70 intererst! :T


So took up the virgin credit card, bloody helpful, increased my credit limit, transferred the money there and then, March 2010 = interest free! Direct debit set up to ensure I never miss a payment (else the 0% expires).

So 12 months to pay it off!

Sorry but I do love MBNA. All their numbers are 0800, they also have a callback feature, great if you're calling off your mobile.

:beer:

I thought since the Virgin Credit was part of MBNA doing a balance transfer from another MBNA account was not allowed.

Hippyer

I'm applying with these.
I have 3 current credit cards.
Is it in my interest to tell them in the application or not?

Halifax limit £1750, outstanding £1000
Nat West limit £1250, outstanding £1000
Sainsburys Bank limit £4100, outstanding £0

Should I leave sainsburys bank off?
Will they think.... why does he need a credit card if he has this available?

YorkshireBoy

darkcloudi wrote: »

I thought since the Virgin Credit was part of MBNA doing a balance transfer from another MBNA account was not allowed.

Probably cleared it via a 'money transfer', ie super balance transfer.

YorkshireBoy

Hippyer wrote: »

Is it in my interest to tell them in the application or not?

If it's online, I'd enter the details. If you're applying by phone then, as my parents used to say, "speak when you're spoken to!"

not_abbey_fan

To get around the credit cards that are part of the same banking group- for example Virgin and MBNA you can request Virgin to send the amount you want to transfer to your current account, pay the balance transfer fee (usually 3%) then transfer the money yourself via a payment from your bank account. That way you benefit from the 0% for whatever the period is and the bank is happy.

I did this at Virgin's suggestion as wanted to transfer from MBNA...:p