Just through interest guinty, do you make your payments (whether in full or minimum) by Direct Debit and has it always been this way?

Surely this is good news and win/win sensible/sensible behaviour by both parties? You have used a 0% period correctly and cleared a debt/bought some purchases interest free over a period of time. Virgin have realised you ain't no fool so have dissuaded you from costing them (and their less sensible other customers) more money. What's the problem?

It's about time credit card companies tightened their lending. If you are not prepared to pay to borrow money then why should anyone lend to you? (21.9% does not seem that large a rate in the current climate to high risk customers like yourselves.)

(Btw, I liked the '[Virgin] weren't interested' - was that a deliberate or accidental pun :) ?)

Recieved a letter today telling me virgin has increased my apr on purchases/b transfers from 15.9% to 21.9% and cash transactions to 27.9%.This must be the new scam to force peeps to leave or suffer,(we recently had a reasonable sum sitting on this card at 0% which we cleared off(at the end of the 0% promotion) just a day before we recieved the letter).Not happy and phoned to let them know me and the mrs are AAA rated.good income ect ect.they werent intrested,SO good bye virgin card and never again..... o/