The top-up card for a pay-as-you-go mobile is supplied with the phone when you buy it. If you lose the card - you need to contact Virgin, who will send you a replacement.
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Yes - calls to Virgin Media's 150 number are free from a virgin phone-line. Calls from networks other than Virgin will be charged.
It was a promotion by Virgin. If you entered a code a from another user and topped up with a certain amount then the person that gave you the code got free minutes.Because of the nonsense being posted and the constant revisions by those trying to have their code entered this question is being locked.
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There one can contact the Householdbank Credit Card company by visiting their website for contact information. Their toll-free number is 1-800-771-7339. There are also may other telephone numbers for other needs as well.