Got a b.o.s credit card and I am going to use it to pay for a holiday£2400, and then transfer the balance to another card(i believe virgin is the best at the moment). although heard mixed things about them. My main queries are 1. what is the minimum percentage payment each month? cant find this on the virgin credit card site? aldo is there a facility to go into a bank and pay monthly payments by cash. I believe I had a virgin credit card previously and used the co-op bank to make payments.It does`nt seem to mention anything about this on their website. ia m reluctant to phone their helplines as I have been told it is an overseas one and making yourself understood could be difficult especially if its a scottish accent like mine. any info would be appreciated, thanks

The minimum payments are EITHER a percentage of 3% of the balance each month, or £25+any fees/charges/or interest (if applicable), whichever is the lowest, so its not necessarily always a percentage that is charged as the minimum payment.You can make cash payments in the bank, although it still takes 5working days to clear.Virgin, part of the MBNA group, use co-op bank as their clearing bank, although 5wrking days rule still has to be abided by. It depends about the phonelines, there is one in Chester,India and Ireland, although Chester is the main one (I worked at the Chester one). But if you have general queries, you can always call in =) hope this helps!