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

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slewis1972
slewis1972 Posts: 258 Forumite
First Post First Anniversary Combo Breaker
edited 12 April 2009 at 10:07AM in Credit cards
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

Comments

  • Kavanne
    Kavanne Posts: 5,093 Forumite
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    Phone them and ask, I hear virgin can offer deals to existing customers...
    Kavanne
    Nuns! Nuns! Reverse!

    'I do my job, do you do yours?'

  • clio
    clio Posts: 3,345 Forumite
    edited 12 April 2009 at 4:24PM
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    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
    asandwhen Posts: 1,407 Forumite
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    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
    slewis1972 Posts: 258 Forumite
    First Post First Anniversary Combo Breaker
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    Going to call them tonight but checked on the website and says 60days. Hopfully they can bend it, saves getting another card.

    Scott
  • clio
    clio Posts: 3,345 Forumite
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    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
    Moggles_2 Posts: 6,097 Forumite
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    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.
    People who don't know their rights, don't actually have those rights.
  • clio
    clio Posts: 3,345 Forumite
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    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
    Moggles_2 Posts: 6,097 Forumite
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    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.
    People who don't know their rights, don't actually have those rights.
  • clio
    clio Posts: 3,345 Forumite
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    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..
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