Virgin Money Credit Cards Reviews

Ratings based on 531 reviews Last review 1 month ago

Virgin Money have a range of credit cards to suit your needs with tools to help find the best card for you. You can also use the Card Checker tool to see if you’ll be approved before you apply – without affecting your credit rating. Check out the range of unique card designs and choose the one that best suits your style.

Representative 20.9% APR (variable).

Brought to you by Virgin Money.

5 390
4 56
3 18
2 17
1 50

Our Smart Money People 360° Rating

Good Credit Card
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Your Credit Cards Reviews (531)

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10th February 2019

No smartphone app, tedious and time consuming account login

Unfortunately, Virgin is the only card provider I use which hasn’t developed a native smartphone app. ...

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Unfortunately, Virgin is the only card provider I use which hasn’t developed a native smartphone app.

In addition, the web login is cumbersome and time consuming, as it requires the user to go through lots of hoops and loops without the option to save and auto-fill the login credentials.

It’s a pity, really, as otherwise it is a good service.

Reply from Virgin Money
Hi Alex, thanks for getting in touch. We don't offer an app at the moment but it is something we're currently working on. We'll be sure to let our customers know as soon as there's an update! Thanks, Jane
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8th February 2019

Lies

Terrible service just reduces your credit limit with no warning just when I was going to book holiday for me and my wife who is dienosed with bowl cancer it just turned our words up side down

Reply from Virgin Money
Hi John, thanks for getting in touch. So I can take a look at this for you, can you email your details to reviewhelper@virginmoney.com? Thanks, Jane
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7th February 2019

Easy to use online, great monthly prizes

So early to log in and manage, super easy to set up, lots of great prizes monthly. From otherwise fantastic customer service I did once have a very annoying call about the credit limit i was granted with a particularly condesending support agent, but...

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So early to log in and manage, super easy to set up, lots of great prizes monthly. From otherwise fantastic customer service I did once have a very annoying call about the credit limit i was granted with a particularly condesending support agent, but one person does not define the company and otherwise it's been a totally smooth experience.

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6th February 2019

Easy and reliable

I have found Virgin Money to be an extremely easy company to deal with and very reliable. The language used to explain terms, processes and requirements is simple to understand, communication is timely, accurate and useful. I've rarely had to contact...

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I have found Virgin Money to be an extremely easy company to deal with and very reliable. The language used to explain terms, processes and requirements is simple to understand, communication is timely, accurate and useful. I've rarely had to contact support due to their really helpful self serve options however on the one or two occasions that I have, resolutions have been quick and useful. Virgin Money promote competitive offers in a respectful, responsible and unobtrusive way. I would have no qualms in recommending to a friend, colleague or family member (and have done). I even like the look of the card! Good luck and cheers.

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5th February 2019

Excellent service

The only thing missing from this credit card is an app to make it easier to manage the account - unless there's already one available that I'm not aware of.

Reply from Virgin Money
Hi Ali, we don't have an app at the moment but it is something we're currently working on. We'll be sure to share any news as soon as we can! Thanks, Jane
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4th February 2019

outrageous interest charges

I missed a minimum payment by being 1 day late and was charged over £70 interest for 20 days. This is an outrageous amount. I received a reminder to make payment and I did within the hour but they still charged me

Reply from Virgin Money
Thanks for getting in touch Sharon, so I can take a look at this for you can you email your details to reviewhelper@virginmoney.com? Thanks, Jane
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2nd February 2019

NO MOBILE BANKING APP WHY !!!!!

NO MOBILE BANKING APP !!!! WHY COME ON VIRGIN WERE IN THE 21ST CENTURY

Reply from Virgin Money
Hi Paul, we're working on it at the moment with a few colleagues testing it out as we speak. As soon as we get the green light we'll share more info with you. Thanks, Lindsay
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31st January 2019

No fuss, no hassle credit card. No cold calling. No pushy sales patter. Does just what it says.

Virgin should be proud of the services they offer and how they provide them....

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Virgin should be proud of the services they offer and how they provide them.
I have a no fuss, no hassle credit card. No sense of Virgin trying to pull the wool over your eyes. Virgin is very open and honest about the services they can provide. It keeps well within the boundaries of appropriate advice and assistance. There is no hard sell, no cold calling. Follow up Customer Services are excellent.

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31st January 2019

Hard work sorting out issues

Phoned to raise a dispute with a payment. I am going to be posted a form rather than being able to do it on line. If I do want to do it electronically, I have to phone again (when the dispute dept is open) and ask if that is possible. The call taker...

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Phoned to raise a dispute with a payment. I am going to be posted a form rather than being able to do it on line. If I do want to do it electronically, I have to phone again (when the dispute dept is open) and ask if that is possible. The call taker cannot do that for me. All rather inefficient and inconvenient for customers.

Reply from Virgin Money
Hi there, I'd be happy to run this by the team again for you if you'd like to email your details across to reviewhelper@virginmoney.com. Thanks, Holly
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31st January 2019

Great Card, Great Service, No Fuss

My Virgin Credit Card allows me to be flexible when it comes to affording life's little pleasures. With a long interest-free payback period I don't have to worry about additional charges. There are regular updates regarding benefits and new offers....

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My Virgin Credit Card allows me to be flexible when it comes to affording life's little pleasures. With a long interest-free payback period I don't have to worry about additional charges. There are regular updates regarding benefits and new offers. The website is very easy to navigate and allows me to keep track of my spending and change my payments accordingly to suit my budget.

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31st January 2019

Annoying

I have a new debit card which I tried to add to pay some money. The site won't allow me to add it because the 26 digit number is the same and just the date had changed. Too hard.

Reply from Virgin Money
Hi Wendy, I'd be happy to take a look into this for you if you'd like to email your postcode and contact number over to reviewhelper@virginmoney.com. Thanks, Holly
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30th January 2019

Website very frustrating

A very poor constructed website that frustrates in order to just pay a credit card. There is no app like every other credit company or bank that makes it easier for people to pay as they go. If I had known this and how awkward the website is, I would...

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A very poor constructed website that frustrates in order to just pay a credit card. There is no app like every other credit company or bank that makes it easier for people to pay as they go. If I had known this and how awkward the website is, I would have gone with another credit card.

Reply from Virgin Money
Hi Paul, thanks for your feedback. We're working on an app at the moment so as soon as we get the green light, we'll let you know more about that. Thanks, Lindsay.