Virgin Credit Card - Student

dooogiee

Hi all, been on this forum plenty of times, but this is the first time I've needed to post!

Near the end of my gap year before uni (Sept 09), I applied for a Virgin Atlantic White Ammex. They rang me up on my last day of employment to confirm a few details and accepted my application. When I said I was working for X, I wasn't lying, even if I wouldn't be working there the next day

Anyway, just wondering if now that I'm a student, when this card expires next year will they give me a new one? Also, if I ring them up and they ask to confirm my employer and I say, oh I'm a student now, is there any chance they'd take my Credit Card away!?

Have used it a lot and have always paid my bills in full by direct debit.

Also got a Natwest Credit Card, but I like the Virgin one for the airmiles.

Thanks in advance

macman

Card renewals are almost always automatic, I've never known a CC card co. do further checks, unless of course you have a bad record-which clearly you don't.

Paul_Herring

dooogiee wrote: »

when this card expires next year will they give me a new one?

In all probability, yes. They don't do another specific credit check to re-issue an expiring card. Some providers apparently do 'mid-term' checks to determine whether they still want you as a customer (Egg spring to mind here,) but those that do don't wait until renewal dates to do so.

You'll simply get a new card with a new expiry date on it.

Also, if I ring them up and they ask to confirm my employer

Unlikely.
1) Confirmation checks are usually related to you personally (DOB, letters from passwords etc.)
2) CC firms in general don't ring you up to make sure you're still with your employer.

Have used it a lot and have always paid my bills in full by direct debit.

This is more pertanant to them, and is usually the method to determine whether they still want you to be a customer. The fact you're still able to cope with the card is more important to them as to whether you're still with the employer you were with when you first applied.

In fact, thinking about it, I'm not sure that any card requires you to inform them of a change of employer/employment status.

Degenerate

Paul_Herring wrote: »

In fact, thinking about it, I'm not sure that any card requires you to inform them of a change of employer/employment status.

Likewise, I have never heard of any requirement to inform. OTOH, I was asked the question by Barclaycard once whilst carrying out a balance transfer over the phone.