hi, thank you for your reply. yes VA fly to destinations that we would consider for holiday (basically sand, sea & sun!)
yes i frequently use the BA PP benefits of fraud protection on purchases, purchase & refund guarantee and travel insurance (although granted no longer have frequent travel). but these benefits arent that much than what standard CC offer.

btw just checked and seems BA PP is 250/yr vs the £160 for virgin atlantic...and again no joining bonus offer