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Virgin Credit Card - Top Deal
Member Name: mumps
Advantages: Great 0% Deal
Disadvantages: You really must pay on time
I have been very happy since swapping to Virgin Credit Card. I got a great deal, 15 months with 0% interest which I think is a fantastic deal. Granted I did pay a fee for transferring but it was only 2.98% so it did make sense to go ahead with the change.
I applied on line and it was simple and quick and I very soon had my new card. I am now well on my way to clearing my credit card debt and hope to have it paid before the deal runs out.
One problem with these deals is that if you pay late you lose the deal. I am sad to say I am bad at this but I registered to pay on line and that has made things easier except (yes there is always an except) when my daughter got meningitis in her first term at university. Well my credit card went right out of my mind as we travelled 200 miles to the hospital, we ended up stayinin a hotel close to the hospital for a week and by the time I thought about paying my credit card I was late. I phoned Virgin to explain and the lady I spoke to was lovely. She spent ages ask about my daughter and what had happened. At the end of the conversation she told me not to worry there would be no late payment fee and my deal would continue. Great customer service.
In case anyone is wondering my daughter is fine now.
Summary: Great card, great deal and fantastic customer service