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Reply-To: "Virgin Money" <no-reply@creditcard.virginmoney.com>
From: "Virgin Money" <email@creditcard.virginmoney.com>
To: <bob@sarahharvey.com>
Subject: Robert, your Terms are changing
Date: Tue, 24 Sep 2024 10:05:24 +0100
Message-ID: <NM656F563F405E95C4Avirginm_mkt_prod3-Ym91bmNlQGNyZWRpdGNhcmQudmlyZ2lubW9uZXkuY29t@creditcard.virginmoney.com>
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Your Terms are changing
So you know our emails are genuine, whenever we include links to our website
in emails we will also quote the last four digits of your card number: 2523
<https://images.emlcdn.net/cdn/1001923/b597c448-8724-43c0-bb3f-8a9813de8ce8/logova.png>
<https://images.emlcdn.net/cdn/1001923/b597c448-8724-43c0-bb3f-8a9813de8ce8/VAAheaderVM40527.png>
<https://images.emlcdn.net/cdn/1001923/b597c448-8724-43c0-bb3f-8a9813de8ce8/VAAheaderVM40527.png>
Hello Robert,
We’re getting in touch to let you know about some improvements made to your
Virgin Atlantic Credit Card Terms on 1 September 2024. It’s important to
read through to understand what the changes mean for you. We’ve explained
them below, and you can see your full Terms
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf50&p1=99179594>
here.
If you're happy, we're happy
If we don’t hear from you, we’ll assume that you’re happy with the changes.
Not happy with them? We’d be sad to say goodbye, but you’re free to close
your account at any time. Just fill in our form
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf51&p1=99179594>
here.
What's changed?
Changes to Terms: Removal of previous section 9.7
Failed payment charge
We’re no longer charging a fee for a failed payment. This means that there
won’t be a charge for things like a failed direct debit. But if you miss
your payment or the payment is late, we’ll still have to charge a late
payment fee.
Changes to Terms: 10.1, 12.1, 12.2, 12.3
Payment allocation
We’ve made it easier to manage repayments when you have instalment plans set
up. Each month, your Requested Payment is made up of your Minimum Payment
plus the amount you need to pay to keep any instalment plans on track.
If you send us more than your Requested Payment, this will now go toward any
new transactions that are yet to show on your statement before going toward
any instalment plan as an overpayment.
Just so you know, if you do pay more than your Requested Payment,
promotional balances (including 0% interest rate promotions) may be repaid
more quickly than instalment plan balances (that may have monthly fees). To
find out more about instalment plans head
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf52&p1=99179594>
here.
Changes to Terms: 18.3
Ending your agreement
We're increasing the notice period we’d give if we needed to end your
agreement. For example, if you haven’t used your card for a very long time.
We’ll give you at least 90 days’ notice now. That means you’ve got more time
to find a new credit card. This doesn't impact the situations where we can
end the agreement immediately.
Switching between Virgin Atlantic Credit Card products
We’re giving you the freedom to switch between our Virgin Atlantic Reward
and Reward+ products and you can do this without having to apply again or
get a new card or credit limit. We’ve created new switch Terms to help you
understand your options, and when you can switch. Get more details
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf53&p1=99179594>
here.
We’ve included below the key costs for the Virgin Atlantic products, so you
can see how they compare:
VAA Reward (the product you have) VAA Reward+ (the product you could
switch to)
Annual Card Fee £0 £160
APR (variable) 26.9% 69.7%
Total Amount Payable
We include this to show you how much your borrowing could cost. This is an
example and based on some assumptions*. £1356.66 £1516.66
Card Purchases (standard annual interest rate - variable) 24.10% p.a.
24.10% p.a.
Money Transfers (standard annual interest rate - variable) 24.10% p.a.
24.10% p.a.
Balance Transfers (standard annual interest rate - variable) 24.10% p.a.
24.10% p.a.
Cash Advances (standard annual interest rate - variable) 25.70% p.a.
25.70% p.a.
*The total amount payable shown above is based on the following example –
you immediately spend £1,200 on a single purchase at the standard rate for
Card Purchases; you repay this amount in 12 equal monthly instalments of
£100 plus interest; you pay any annual card fee in full and on time; and you
keep to the Terms of this agreement. This also assumes the standard rate for
Card Purchases and the annual card fee (if any) do not change.
Here's a reminder of the benefits from your Virgin Atlantic product, and the
one you could switch to, to help you compare them along with the costs
above. Virgin Atlantic terms apply.
VAA Reward (the product you have) VAA Reward+ (the product you could
switch to)
Virgin Points per £ spent 0.75 1.5
Virgin Points per £ spent with Virgin Atlantic or Virgin Holidays 1.5 3
Annual spend needed to earn a reward voucher (choose an upgrade or
companion) £20,000 £10,000
Help is at hand
If you’re not sure about anything or you’ve got a burning question for us,
check out
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf54&p1=99179594>
virginmoney.com/cardshelp
The Virgin Atlantic Credit Card team
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<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf55>
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<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf57>
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Stay safe online
How to check if an email is genuine
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf58&p1=99179594>
Visit our Security Centre
<http://t.emails.virginmoney.com/r/?id=h56f563f4,5e95c4a,1dcaf59&p1=99179594>
Please read, important information about email security:
To ensure that you receive all emails about your card, add
email@creditcard.virginmoney.com
<mailto:email@creditcard.virginmoney.com?utm_campaign=VM40525_VAA_Cards_CiT_Main_Mailing_Email&utm_content=99179594&utm_medium=email&utm_source=cards_marketing>
to your email address book or Safe List.
We have sent this email to you in order to service your credit card account
and it is confidential and for use by the addressee only.
However, since email is not a secure form of communication, please do not
reply to us by email.
App Store is a service mark of Apple Inc., registered in the U.S. and other
countries. Google Play is a trademark of Google LLC.
The Virgin Atlantic Credit Card is issued by Clydesdale Bank PLC (trading as
Virgin Money). Registered in Scotland Company No. SC001111). Registered
Office: 177 Bothwell Street, Glasgow G2 7ER. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority.
This message and any attachments have been scanned for viruses prior to
leaving our network. However, we cannot guarantee the security of this
message and will not be responsible for any damage as a result of any virus
being passed on by a third party. We may monitor emails sent to and from
this email account.
VM40525v1
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So you know our emails are genuine, whenever =
we include links to our website in emails we will also quote the last =
four digits of your card number: 2523
</p>
</td>
</tr>
=20
</table>
<!-- //SECURITY -->
=20
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=20
Hello Robert, <br><br>We’re =
getting in touch to let you know about some improvements made to your =
Virgin Atlantic Credit Card Terms on 1 September 2024. It’s =
important to read through to understand what the changes mean for you. =
We’ve explained them below, and you can see your full Terms <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf50=
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If you're happy, we're happy
=20
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If we don’t hear from you, =
we’ll assume that you’re happy with the changes. Not happy =
with them? We’d be sad to say goodbye, but you’re free to =
close your account at any time. Just fill in our form <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf51=
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bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
What's changed?
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
<strong style=3D"">Changes to Terms: =
Removal of previous section 9.7</strong><br><span =
style=3D"color:#e10a0a;">Failed payment charge</span><br>We’re no =
longer charging a fee for a failed payment. This means that there =
won’t be a charge for things like a failed direct debit. But if =
you miss your payment or the payment is late, we’ll still have to =
charge a late payment fee.<br><br><strong style=3D"">Changes to Terms: =
10.1, 12.1, 12.2, 12.3 </strong><br><span =
style=3D"color:#e10a0a;">Payment allocation</span><br>We’ve made =
it easier to manage repayments when you have instalment plans set up. =
Each month, your Requested Payment is made up of your Minimum Payment =
plus the amount you need to pay to keep any instalment plans on =
track.<br><br>If you send us more than your Requested Payment, this will =
now go toward any new transactions that are yet to show on your =
statement before going toward any instalment plan as an =
overpayment.<br><br>Just so you know, if you do pay more than your =
Requested Payment, promotional balances (including 0% interest rate =
promotions) may be repaid more quickly than instalment plan balances =
(that may have monthly fees). To find out more about instalment plans =
head <a style=3D"color:#23282d; text-decoration:underline;" =
target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf52=
&p1=3D99179594"><strong style=3D"">here</strong>.</a><br><br><strong =
style=3D"">Changes to Terms: 18.3</strong><br><span =
style=3D"color:#e10a0a;">Ending your agreement</span><br>We're =
increasing the notice period we’d give if we needed to end your =
agreement. For example, if you haven’t used your card for a very =
long time. We’ll give you at least 90 days’ notice now. =
That means you’ve got more time to find a new credit card. This =
doesn't impact the situations where we can end the agreement =
immediately.
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
=20
=20
</table>
<!-- //C2 -->
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Switching between Virgin Atlantic Credit =
Card products
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
We’re giving you the freedom to =
switch between our Virgin Atlantic Reward and Reward+ products and you =
can do this without having to apply again or get a new card or credit =
limit. We’ve created new switch Terms to help you understand your =
options, and when you can switch. Get more details <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf53=
&p1=3D99179594"><strong style=3D"">here</strong>.</a> =
<br><br>We’ve included below the key costs for the Virgin =
Atlantic products, so you can see how they compare:
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
=20
=20
</table>
<!-- //C2 -->
=20
<!-- New Table 3 or 4 Col -->
<table width=3D"100%" bgcolor=3D"#ffffff" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" style=3D"padding:24px 24px =
0px 24px;">
<table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">
<tr>
<td style=3D"border-left:1px solid =
#e10a0a; border-right: 1px solid #e10a0a;">
<table width=3D"100%" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"border-top:1px solid #e10a0a;">
<tr>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; vertical-align:top; =
border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
</th>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">VAA Reward =
(the product you have)</strong>
</th>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; vertical-align:top; =
border-bottom:1px solid #e10a0a; border-left:1px solid #e10a0a;" =
width=3D"33%">
=20
<strong style=3D"">VAA Reward+ =
(the product you could switch to)</strong>
</th>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Annual Card =
Fee</strong>
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A30
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A3160
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">APR =
</strong>(variable)
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
26.9%
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
69.7%
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Total Amount =
Payable</strong><br><br>We include this to show you how much your =
borrowing could cost. This is an example and based on some assumptions*.
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A31356.66
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A31516.66
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Card =
Purchases </strong>(standard annual interest rate - variable)
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Money =
Transfers </strong>(standard annual interest rate - variable)
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Balance =
Transfers </strong>(standard annual interest rate - variable)
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
24.10% p.a.
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Cash Advances =
</strong>(standard annual interest rate - variable)
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
25.70% p.a.
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-left:1px =
solid #e10a0a; border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
25.70% p.a.
</td>
=20
</tr>
=20
=20
=20
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<!-- //New Table 4 even Col -->
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
=20
=20
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
*The total amount payable shown above is =
based on the following example – you immediately spend =
=C2=A31,200 on a single purchase at the standard rate for Card =
Purchases; you repay this amount in 12 equal monthly instalments of =
=C2=A3100 plus interest; you pay any annual card fee in full and on =
time; and you keep to the Terms of this agreement. This also assumes the =
standard rate for Card Purchases and the annual card fee (if any) do not =
change.
</p>
</td>
</tr>
=20
=20
=20
</table>
<!-- //C2 -->
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:0 24px 32px 24px; text-align:left;">
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
=20
Here's a reminder of the benefits from =
your Virgin Atlantic product, and the one you could switch to, to help =
you compare them along with the costs above. Virgin Atlantic terms =
apply.
</p>
=20
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
=20
</p>
</td>
</tr>
=20
=20
=20
</table>
<!-- //C2 -->
=20
<!-- New Table 3 or 4 Col -->
<table width=3D"100%" bgcolor=3D"#ffffff" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation">
<tr>
<td class=3D"ph32" style=3D"padding:5px 24px =
34px 24px;">
<table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" role=3D"presentation">
<tr>
<td style=3D"border-left:1px solid =
#e10a0a; border-right: 1px solid #e10a0a;">
<table width=3D"100%" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"border-top:1px solid #e10a0a;">
<tr>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; vertical-align:top; =
border-bottom:1px solid #e10a0a;" width=3D"33%">
=20
</th>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">VAA Reward =
(the product you have)</strong>
</th>
<th bgcolor=3D"#ececec" =
valign=3D"top" style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
font-weight:500; line-height:16px; text-align:left; vertical-align:top; =
border-bottom:1px solid #e10a0a; border-left:1px solid #e10a0a;" =
width=3D"33%">
=20
<strong style=3D"">VAA Reward+ =
(the product you could switch to)</strong>
</th>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Virgin Points =
per =C2=A3 spent</strong>
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
0.75
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
1.5
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Virgin Points =
per =C2=A3 spent with Virgin Atlantic or Virgin Holidays</strong>
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
1.5
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
3
</td>
=20
</tr>
<tr>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a;" width=3D"33%">
=20
<strong style=3D"">Annual spend =
needed to earn a reward voucher (choose an upgrade or =
companion)</strong>
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A320,000
</td>
<td style=3D"padding:10px; =
font-family:Arial,Helvetica,sans-serif; font-size:12px; color:#010101; =
line-height:16px; text-align:left; vertical-align:top; border-bottom:1px =
solid #e10a0a; border-left:1px solid #e10a0a;" width=3D"33%">
=20
=C2=A310,000
</td>
=20
</tr>
=20
=20
=20
=20
=20
=20
=20
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<!-- //New Table 4 even Col -->
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
=20
<!-- C2 -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#ffffff">
<tr>
<td class=3D"ph32" align=3D"left" =
style=3D"padding:24px 24px 32px 24px; text-align:left;">
<h2 style=3D"margin:0 0 0.5em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:1.5em; =
font-weight:500; color:#e10a0a; line-height:1.2em; text-align:left;">
=20
Help is at hand
=20
</h2>
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#000001; =
line-height:1.5em;">
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If you’re not sure about anything =
or you’ve got a burning question for us, check out <a =
style=3D"color:#23282d; text-decoration:underline;" target=3D"_blank" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf54=
&p1=3D99179594"><strong =
style=3D"">virginmoney.com/cardshelp</strong></a> <br><br><span =
style=3D"color:#e10a0a;"><strong style=3D"">The Virgin Atlantic Credit =
Card team</strong></span>
</p>
=20
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<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#000001; =
line-height:1.5em;">
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</p>
</td>
</tr>
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</table>
<!-- //C2 -->
<!-- SOCIAL -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#e10a0a">
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<tr>
<td class=3D"ph24" align=3D"left" =
style=3D"padding:8px 16px 24px 16px; font-size:0; text-align:center;">
<!--[if true]>
<table width=3D"612" align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:612px;">
<tr>
<td width=3D"420" valign=3D"top" =
style=3D"width:420px;">
<![endif]-->
<div class=3D"col" =
style=3D"display:inline-block; width:100%; max-width:420px; =
vertical-align:top;">
<table width=3D"100%" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"max-width:420px;">
<tr>
<td align=3D"left" =
style=3D"padding:16px 8px 0 8px;">
<img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/social_sl=
ogan_white_v2.png" width=3D"300" height=3D"48" alt=3D"We're a sociable =
bunch, follow us" border=3D"0" style=3D"display:block;">
</td>
</tr>
</table>
</div>
<!--[if true]>
</td>
<td width=3D"192" valign=3D"top" =
style=3D"width:192px;">
<![endif]-->
<div class=3D"col" =
style=3D"display:inline-block; width:100%; max-width:192px; =
vertical-align:top;">
<table width=3D"192" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"Instagram" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf55=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/instagram=
_white.png" width=3D"48" height=3D"48" alt=3D"Instagram" border=3D"0" =
style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"TikTok" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf56=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/Tiktok_lo=
go_red.png" width=3D"48" height=3D"48" alt=3D"YouTube" border=3D"0" =
style=3D"display:block;">
</a>
</td>
<td style=3D"padding:16px 8px 0 =
8px;">
<a _category=3D"social" =
_label=3D"Facebook" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf57=
" target=3D"_blank"><img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/facebook_=
white.png" width=3D"48" height=3D"48" alt=3D"Facebook" border=3D"0" =
style=3D"display:block;">
</a>
</td>
</tr>
</table>
</div>
<!--[if true]>
</td>
</tr>
</table>
<![endif]-->
</td> =20
</tr>
=20
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</table>
<!-- //SOCIAL -->
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=20
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<!-- FOOTER -->
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
bgcolor=3D"#e10a0a">
<tr>
<td style=3D"padding:8px 0 32px 0;">
<img width=3D"660" alt=3D"" border=3D"0" =
style=3D"display:block; width:100%; height:auto;" =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/pattern_f=
ooter_red_light.png">
</td>
</tr>
<tr>
<td class=3D"ph32" valign=3D"top" =
style=3D"padding:0 24px 16px 24px;">
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<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td width=3D"18" valign=3D"middle" =
style=3D"vertical-align:middle; padding:0 8px 0 0;">
<img =
src=3D"https://res.emails.virginmoney.com/res/virginm_mkt_prod3/security_=
white.png" width=3D"18" height=3D"24" alt=3D"" border=3D"0" =
style=3D"display:block;">
</td>
<td class=3D"sans" valign=3D"middle" =
style=3D"vertical-align:middle; text-align:left;">
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:1em; color:#ffffff; =
line-height:1.5em;">
Stay safe online
</p>
</td>
</tr>
</table>
<table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation">
<tr>
<td valign=3D"top" style=3D"padding:8px =
0 0 0; text-align:left;">
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.875em; =
color:#ffffff; line-height:1.5em;">
<a target=3D"_blank" =
style=3D"color:#ffffff; text-decoration:underline;" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf58=
&p1=3D99179594">How to check if an email is genuine</a><br><a =
target=3D"_blank" style=3D"color:#ffffff; text-decoration:underline;" =
href=3D"http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1dcaf59=
&p1=3D99179594">Visit our Security Centre</a>
</p>
=20
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td class=3D"ph32" valign=3D"top" =
style=3D"padding:0 24px 32px 24px; text-align:left;">
=20
=20
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<p style=3D"margin:0 0 1em 0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#ffffff; =
line-height:1.5em;"><strong style=3D"">Please read, important =
information about email security:</strong><br><br>To ensure that you =
receive all emails about your card, add <a style=3D"color:#ffffff; =
text-decoration:underline;" target=3D"_blank" =
href=3D"mailto:email@creditcard.virginmoney.com?utm_campaign=3DVM40525_VA=
A_Cards_CiT_Main_Mailing_Email&utm_content=3D99179594&utm_medium=3Demail&=
utm_source=3Dcards_marketing">email@creditcard.virginmoney.com</a> to =
your email address book or Safe List.<br><br>We have sent this email to =
you in order to service your credit card account and it is confidential =
and for use by the addressee only.<br><br>However, since email is not a =
secure form of communication, please do not reply to us by =
email.<br><br>App Store is a service mark of Apple Inc., registered in =
the U.S. and other countries. Google Play is a trademark of Google =
LLC.<br><br>The Virgin Atlantic Credit Card is issued by Clydesdale Bank =
PLC (trading as Virgin Money). Registered in Scotland Company No. =
SC001111). Registered Office: 177 Bothwell Street, Glasgow G2 7ER. =
Authorised by the Prudential Regulation Authority and regulated by the =
Financial Conduct Authority and the Prudential Regulation =
Authority.<br><br>This message and any attachments have been scanned for =
viruses prior to leaving our network. However, we cannot guarantee the =
security of this message and will not be responsible for any damage as a =
result of any virus being passed on by a third party. We may monitor =
emails sent to and from this email account.</p>
=20
<p style=3D"margin:0; =
font-family:Arial,Helvetica,sans-serif; font-size:0.75em; color:#ffffff; =
line-height:1.5em;">
VM40525v1
</p>
</td>
</tr>
</table>
<!-- //FOOTER -->
</div>
<!--[if mso]>
</td>=20
</tr>
</table>
<![endif]-->
</td>
</tr>
</table>
</div>
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<img height=3D'0' width=3D'0' alt=3D'' =
src=3D'http://t.emails.virginmoney.com/r/?id=3Dh56f563f4,5e95c4a,1'/></bo=
dy>
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