Have you heard about the Virgin Money No Annual Fee Credit Card? If you’re looking for a credit card that does not have an annual fee and also has a lot of benefits to go together with it, then you’re in the right place.

Today we are going to tell you everything about this credit card. How good it is and how you can apply for it. So if you are interested, keep reading. 

Why we recommend the Virgin Money No Annual Fee Credit Card 

So what is it that you’re really interested about in this credit card? Well, you probably don’t really know much about it. But since we have already searched everything, you’re going to understand a bit why we are recommending the card. 

The Virgin Money No Annual Fee Credit Card is those types of cards that although on front does not look like it has that many benefits. But when you see the benefits that it has, it is actually pretty useful. Let’s start from the basic: not having an annual fee. 

Just as the name says, this credit card does not have an annual fee and while not having it, you still get a 0% PA for six months for additional cards without costs and a lot of benefits from the brand Visa. So yes, as you can see, it is a really nice card. 

What can I use the credit card for? 

Now that we are already learning a lot about this credit card, one of the main things that you’re probably interested in learning is the main use. No, we all know that use of a credit card you can buy, you can pay bills, you can do whatever you want. 

But with this one, it has some benefits that are going to make something’s and some uses more useful than others and more beneficial. No, from the benefits that we can see, we see that we have a lot of benefits in purchases. 

For example, the 0% PA for six months on purchases or the fact that you are going to be able to play with anything that you want, be it Apple Pay, Samsung Pay or Google Pay. So yes, we believe that the main use that we will be able to tell you is purchasing. 

Credit card advantages 

There is so much that you don’t know yet. You only talk a little bit about the main benefits of the loan. But it’s still not enough. We have way more down below so that you can learn everything and every single detail to help you out. So if you are interested in learning the best benefits of the Virgin Money No Annual Fee Credit Card, keep reading. 

• 0% p.a. for 6 months on purchases. Reverts to 19.99% p.a. 
• No annual fee 
• Up to 4 additional cards at no extra cost 
• Irregular transaction detection with FraudShield 
• Visa Paywave 
• VISA Zero Liability 
• Up to 55 days interest free on purchases 
• Eligible with Apple Pay, Samsung Pay and Google Pay 

Credit card disadvantages 

Just as you have benefits, you will also have the negative side. But there is no need to worry. Although this credit card does have a negative side, it’s not going to impact your experience as much as you might think. Now, it is important that you learn the cons so that you are able to enjoy this credit card to the sellers. So let’s take a look. 

• The revert purchase interest rate is relatively high 
• Although the card is issued by Virgin Money, you will not earn Velocity Points for your spending 

How is credit analysis carried out in the Virgin Money No Annual Fee Credit Card 

Yes, you still need to go through the credit analysis with this credit card. Now, having a credit card like this is going to always make people think that since it’s not such a luxurious card, the credit analysis is not really that important. But it is a lie. 

The credit analysis is always important, no matter the credit cards. And with this one, it’s going to start at the application process, sending in all the documents that the company asks you, You will be able to finally start the credit analysis. Well, the company will start it. 

How does it go? Well, with the documents, they take a look at your credit history. Your credit history is basically your history of your finances, meaning that every credit card, every. And everything that you actually did with your money, it’s going to be there. 

Now that everything is analyzed, the company saw everything, they are going to give you a credit score. The higher the credit score, the better it is. So if you have a high credit score, not only you have more chances of getting the card, but also a higher credit limit. 

Is there a maximum and minimum credit card limit? 

Now that you already know everything about the credit card, it’s important that you learn what is the minimum credit card limit and perhaps the maximum now. Fortunately, this card does not have a maximum credit limit. 

But what does have, It’s a minimum. The minimum is going to be very important because you can see more or less how the credit card is going to work. Now it has a minimum of $2000, which is quite a lot, to compare with other credit cards. The maximum is just how high your credit score goes. 

Do you want to request? Learn how to get the Virgin Money No Annual Fee Credit Card right here 

Are you excited to apply for this credit card? We know that you must be really interested, but now you need to learn more about it before taking any extra step. Down below so you can learn how you can apply for it, and way more.