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It should be comforting to know that there is such a thing as good credit. Credit cards, personal loans, vehicle and home loan finance all give you the ability to access funds which you would not necessarily have had access to. In fact it may give you a great feeling of “spending power” when you are initially granted the credit facility however it is important to remember that credit is afforded to you based on your credit profile at the time of your application. It’s up to you to keep track of what you can afford and stick to this.

The trick is to ensure that you responsibly manage your credit and keep a healthy credit record which ultimately tells the credit lender that you can afford to pay back the funds which you have been given as well as that you are able to properly manage the credit given to you according to the terms and conditions set by the credit lender. Remember that your credit profile takes a view of all funds owed by you across the different products, and credit lenders. When managed properly credit can be the friend you need when you need it most.

Credit cards act as a revolving transactional facility which simply means that you are able to transact daily on this and reuse the funds you have paid back provided that your credit profile has not deteriorated. Credit cards are also very versatile by giving you the ability to access funds via different means such as when needing to purchase in shops, or transfer funds via the internet to pay beneficiaries or do online shopping or even access funds at an ATM. Globally credit cards are one of the most preferred methods of payment due to quick and easy use when paying at till points.

Credit cards usually have a number of meaningful benefits for customers to enhance their shopping experience. These benefits can often range from promotional discounts to automatic annual limit increases which can cater for growing lifestyle needs. In many cases fees are also structured to make the credit card accessible and affordable. It’s good to do your homework on this to find the credit card offer that best suits your growing needs. Think about your daily transactional needs before making your decision about what works best for you.

To view all the offers related to the Virgin Money Credit Card or to apply for a Virgin Money Credit Card call 0861 822 273 or apply online at

Terms and Conditions apply.Virgin Money Credit Card issued by Absa Bank Limited. Reg No 1994/004794/06. Authorised Financial Services Provider. Registered Credit Provider with NCRCP no 7.