PROBLEM WITH VIRGIN 0% BALANCE TRANSFER CARD

Ajnightingale

Hi,

I applied for a Virgin 0% balance transfer credit card with a 0% fee for the transfer itself. To be clear , I understand and have seen Virgin offer cards with various fees attached for the amount of the transfer ranging from 0% to 3%.

I applied through the MSE website and it clearly stated on two different pages the card I was entitled to would be 0% fees.

Then it transfers you to the Virgin website where most of the information is pre-filled. I hit apply, was accepted and upon receiving my card I applied for the transfer. It then said there would be a 3% charge for this transfer.

I contacted Virgin credit card via their online chat, explained the problem to which they said there is likely a problem with the MSE website. I then tried as an experiment an application with my father. He was offered the same 0% fee and 0% for 12 months. When taken to the Virgin website it confirmed 0% fee and at no point was there a mention of changing it to 3%. I have screenshots of the pages. I therefore don’t believe MSE website is “broken” but possibly Virgin’s is?

Any advice on how to resolve this would be appreciated. Many thanks.

Isthisforreal99

When I applied (directly not via any link) it gave me various options, not just the 0% no fee one. Could it be you simply picked the wrong card at this stage?

Not sure 'experimenting' with someone else's details is a wise thing to do.

CliveOfIndia

"Then it transfers you to the Virgin website where most of the information is pre-filled."

What did it say at that point about fees? It's not unheard of for any "representative" offer to be tailored to an individual application, based upon your particular credit data. It could be that you ended up being eligible for a different card to the one advertised, but all the T&Cs should have been visible before you decided whether or not to go ahead with the application.

With the best will in the world, aggregator sites cannot give an accurate prediction of what you'll be accepted for. Firstly, they only perform a soft search. Secondly, they are not privy to each lender's unique lending criteria.

born_again

It could be a simple issue that you did not meet the criteria fir the 0% offer.

T/C when agreeing to offer.

The information on our Site shouldn't be taken as any advice, representation, or arrangement by us – you're responsible for making (or refraining from making) any specific investment or other decisions. If we mention companies on our Site, we usually do so because of their attractive offers. We don't usually vet them on customer service or whether they may go bust. Because the impact of our Site information can vary based on your particular circumstances, you should always carry out your own research into the product or service that's of interest to you. You're responsible for the decisions you make and we're not liable for anything that happens as a result of you relying on the Site.

webmasterpolo

Is this the one?

Balance transfer details

0% period

12mths

Fee

None

Rep APR after

24.9%

It's only the 12mth deal that says no fee, did you select a different term or something? You're right on several MSE pages it says 0% fee for the 12mth balance transfer card. The money transfer card has a 4% fee.

Not sure what to suggest if Virgin say they are right that's it I guess as it's their card.