Virgin credit card with a credit balance


Used a balance transfer from Barclaycard to clear the balance on the Virgin card and deliberately left it with about £5k in credit. Already spent about £800 with just over £4,000 sitting in credit.

They keep emailing me / SMSing me to contact them as they want to refund the money to me. Happy to leave it where it is as effectively same as a new 0% spend card and should be about 6 months before I owe them any money again. At that time will close it and just apply for a new cc with the longest 0% offer on purchases.

Legally, can they force me to take the money back ?


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