 Virgin will give you an instant decision on your loan or credit card application if you apply between 08:00 and 20:00 Monday to Thursday and 08:00 and 17:00 Friday. Out of these hours you will get a decision via post in around 7 - 10 days.
Virgin offer an introductory rate of 16 months at zero percent apr, however some kind of dubious handling fee apllies of 2.98 percent on the moeny you do transfer, seems a bit of a pointless exercise if you ask us. Why do they need to charge a rate of 2.98% to handle your money, what are they doing counting it by hand? But anyway if you wish to take advantage of it then it is upto you.
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