Chopping and changing is it worth it?

From what I understand changing credit cards frequently does not affect your credit much at all. Usually I factor in what the fee is to transfer a balance and add up the normal monthly interest I am paying each month on the other card and figure out how long you would need to have the card for to make it worth while. In other words if you make up for your transfer fee in three months what you are saving in interest then having 0% for 16 months is definitely worth the savings.
Alaina

Usually I factor in what the fee is to transfer a balance and add up the normal monthly interest I am paying each month on the other card and figure out how long you would need to have the card for to make it worth while.

Click to expand...

I realise you've already plumped for the Virgin Money credit card (which is definitely the best 0% bt card available), but for future use, it might be worth using a balance transfer calculator, such as the one here 0% Balance Transfer Credit Cards | Up to 16 Months Interest Free | Apply Online that will work out the relevant costs so you can see what the saving will be in comparison to what you're currently paying out in interest each month.

Virgin Credit Card Facts and Benefits

as you have just taken out the Virgin credit card, i thought it would be good to share this article i came across, which tells you everything you need to know about it. I Found it before i took out my card What You Should Know about Virgin Credit Cards | Credit Card Application