Virgin - can you add to existing balance and keep 0%?

slewis1972

Hi All

I have a virgin credit card, interest free for 15%. Had it for several months as we put our main holiday on it.

Anyway - me and the missus are having a break together without the kids and I would like to put the cost on a 0% card to spread the costs.

Anyway - does anyone know, can you add amounts to the virgin credit card and still keep this new amount interest free until the interest free period runs out? I know they have a 60day window to add to the card which I have missed by 3 weeks but has anyone got them to extend that period, considering they are getting a transfer fee?

I am hoping so otherwise I'll have to get another card which is no issue but an extra pain.

Thought I'd ask here before I call them.

Thanks

Scott

Kavanne

Phone them and ask, I hear virgin can offer deals to existing customers...

clio

So you have a balance thats on 0% for 15 months - And you now want too add the holiday to be on the same 0%?? If so yes just do a BT too your bank account and pay for the holiday. You will only be able too do whatever credit limit you have left minus 5%. You can do it from your online Virgin account as well.

asandwhen

Depends when you took the card out - I had one a few years ago and I could do a balance transfer right up to the end of the deal - My wife took one out a few weeks ago and she is limited to the first 60 days of having the card.

slewis1972

Going to call them tonight but checked on the website and says 60days. Hopfully they can bend it, saves getting another card.

Scott

clio

So what your saying m8 now is if you have a new 2009 virgin cc you're only allowed 1 BT in the 1st 60 days?? My card i got in july 2008 has had 3 BT's on there and my 0% doesn't finish till july 2009. Not good if that's the case.

Moggles_2

clio wrote: »

So what your saying m8 now is if you have a new 2009 virgin cc you're only allowed 1 BT in the 1st 60 days?

You can request as many BTs as you like, credit limit permitting, but to get the special 0% rate, the transfer(s) must now be made within 60 days from account opening.

clio

Moggles
So you cannot add on too the balance with another BT after 60 days and still get that on your 0% offer?? if so thats still not good. When did they come up with that idea then!

Moggles_2

clio wrote: »

So you cannot add on to the balance with another BT after 60 days and still get that on your 0% offer?

That's right.

When did they come up with that idea then?

Not sure, exactly.

Some lenders seem to love tinkering with their Ts & Cs. Last year, Virgin wrote to me on average every couple of months with additional clauses of some kind :rolleyes:

This change to the BT terms is comparatively recent though, if memory serves.

clio

Well that's bad news, It must be for new customers only as ive done 2 extra [ 1 nov - other jan] bt's after the 1st one ok..