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Check your Virgin Atlantic credit card direct debit payments for errors

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thisismoney ran an interesting piece last week about issues with the Virgin Atlantic credit cardsYou can read it here.

It appears that if you agree to pay by Direct Debit when applying for the card, your account is set up to only take the minimum repayment each month.  This is made clear in the direct debit instructions but you could easily miss it.

If you want to pay the full balance by Direct Debit each month, you need to log in to your Virgin Money account and change the settings.

It seems that quite a few people did not read the small print and were not aware of this, although arguably after the first month they should have spotted what was going on.  If you have a Virgin Atlantic credit card on Direct Debit, double check what is being taken out.

PS.  The article also flagged some commentary on the Virgin Atlantic cards from Virgin Money’s 2018 half-year accounts, which were the last to be published before the company was taken over.  I hadn’t seen this before. It says:

we successfully launched a range of Virgin Atlantic credit cards, with a stronger than expected customer response driving high quality new customer acquisition and increased levels of retail spend;

we issued [to 30th June 2018] over 37,000 new Virgin Atlantic cards, reflecting strong customer demand. A significant proportion of Virgin Atlantic customers are choosing a card with an annual fee, supporting other income;

as expected, the credit quality of the new Virgin Atlantic card customers is superior to that of the existing portfolio, reflecting the more affluent nature of the customer base

Remember that you can get an increased sign-up bonus on the cards if you apply by 28th February.  The free card is offering 10,000 Flying Club miles whilst the £160 fee card is offering 25,000 miles. 

Full details are on the Virgin Money website here.  Just be careful how you set up your direct debit …..

How to earn Virgin Points from UK credit cards

How to earn Virgin Points from UK credit cards (December 2023)

As a reminder, there are various ways of earning Virgin Points from UK credit cards.  Many cards also have generous sign-up bonuses.

You can choose from two official Virgin Atlantic credit cards (apply here, the Reward+ card has a bonus of 15,000 Virgin Points):

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Virgin Atlantic Reward Mastercard

A generous earning rate for a free card at 0.75 points per £1 Read our full review

You can also earn Virgin Points from various American Express cards – and these have sign-up bonuses too.

American Express Preferred Rewards Gold is FREE for a year and comes with 20,000 Membership Rewards points, which convert into 20,000 Virgin Points.

SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express comes with 30,000 Membership Rewards points, which convert into 30,000 Virgin Points.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

The Platinum Card from American Express

Crazy 100,000 points (TO 9th JANUARY) and a huge range of valuable benefits – for a fee Read our full review

Small business owners should consider the two American Express Business cards. Points convert at 1:1 into Virgin Points.

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Virgin Points

(Want to earn more Virgin Points?  Click here to see our recent articles on Virgin Atlantic and Flying Club and click here for our home page with the latest news on earning and spending other airline and hotel points.)

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