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Virgin Money Credit Cards Reviews

Ratings based on 202 reviews Last review 1 day 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.

5 131
4 29
3 8
2 6
1 28

Our Smart Money People 360° Rating

Good Credit Card
Combines our customer review data set with wider market analysis. Find out more here.

Your Credit Cards Reviews (202)

9th September 2018

Total disgrace

6+ phone calls to customer service (That's a joke) waiting over 30 mins & still no body answers.... total embarrassment to the virgin brand.... wouldn't touch them with a barge poll in the future.......

Reply from Virgin Money
Thanks for getting in touch Robbie, hope you managed to get sorted with this. If there's something we can look into further for you, just email your details to reviewhelper@virginmoney.com. Thanks, Jane
15th August 2018

Terrible service, no app, online payment is so difficult to access.

They have no app, which is ridiculous and basically unheard of. Because of this and the draconian security needed to sign onto their web portal, and admittedly moving house, being in the middle of renovations and living out of boxes, I was a day late...

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They have no app, which is ridiculous and basically unheard of. Because of this and the draconian security needed to sign onto their web portal, and admittedly moving house, being in the middle of renovations and living out of boxes, I was a day late with a payment and they removed my interest free offer. I called as soon as I realised, waiting for nearly half an hour to speak to someone. The customer service then made me wait a week for a call back, offering a conversation, but in the end just said they couldn't help again. They also called in the middle of my weekend. Knowing I'd be lucky to get another call back I regretfully took the call. The woman said she had no authority to do anything. Not sure why I waited for the call. Steer clear of this terrible service! Not worth it.

Reply from Virgin Money
Hi there, I can see I've went back to your review with us over on Trust Pilot. Hope that helps. Thanks, Abbie
14th August 2018

Awful product and yet worse customer service

I signed up for the new virgin Atlantic air miles card which replaces my previous mbna virgin Atlantic card. The approvals process took 4 weeks, the card should have taken 7-10 days from approval to arrive. It arrived on day 12 at which point I had...

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I signed up for the new virgin Atlantic air miles card which replaces my previous mbna virgin Atlantic card. The approvals process took 4 weeks, the card should have taken 7-10 days from approval to arrive. It arrived on day 12 at which point I had already ordered a replacement card, delaying things by a further week. When the cards finally turned up they were blank, ie no 16 digit number, no name and no start or expiry dates. A replacement was ordered and took another week to arrive.

Virgin money gave me incorrect international payment details on 3 occasions causing 4 missing payments and a hugely embossing conversation with my customers causing a loss of business.

Due to a low spending limit of 5k it takes 4 transactions to make an 18k payment and it takes 5 working days to clear the balance and reset available spending allowance.

Two emails of complaint have gone unanswered and it’s three weeks since they were made. An automated email was received to prove that the emails did find their way into the correct mailbox.

Over the phone staff contradict each other, are not trained adequately and do not deliver on promises to call back.

It feels like the company were established yesterday and are still going through training,

Unfortunately if I want to keep collecting air miles with virgin Atlantic I have no option than to tolerate this ameateurish service.

Avoid like the plague if possible !!

Reply from Virgin Money
Hi there, I can see I've went back to your review with us over on Trust Pilot. Hope that helps. Thanks, Abbie
8th August 2018

Credit card interest free period removed

I was a day late paying a minimum payment on my credit card due to error. I have had my credit card a while now never been late or missed any payments prior to this I contacted virgin money to make them aware of the error and despite this and...

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I was a day late paying a minimum payment on my credit card due to error. I have had my credit card a while now never been late or missed any payments prior to this I contacted virgin money to make them aware of the error and despite this and explaining my situation they have refused to put my interest free period back on surely they should give loyal customers 1 chance for human error

Reply from Virgin Money
Hi Shona, thanks for feeding this back. If you'd like me to look into this one at my end please send your address and contact number to reviewhelper@virginmoney.com. Thanks, Abbie
31st July 2018

Outstanding Service and value

Allround happy from customer service to to speed of transactions and transfers.I would recommend them most highly to friends and family.

Reply from Virgin Money
Thanks for your feedback Simon, great to hear you're happy with your Credit Card! Just get back in touch if there's anything else we can help with. Thanks, Jane
15th July 2018

Stay away

Worst credit card ever had. Charged me £90 for purchase. Stay away if you can, they will just still your money. AVOID

Reply from Virgin Money
Thanks for getting in touch, if there's something you'd like us to take a look into just email your details to reviewhelper@virginmoney.com. Thanks, Jane
29th June 2018

Easy to use

The online accessibility of the virgin money credit card is a big plus. The account is easy to manage, the credit decision was very fast and the interest free period competitive

Reply from Virgin Money
Hi there, thanks for getting in touch. Glad to hear you're happy with your Credit Card, just get in touch if there's anything we can help with. Thanks, Jane
7th June 2018

Virgin Money Pre-Paid Mastercard

I found the pre-paid card was a great way to help the offspring when they were travelling abroad. The scheme allowed for a second named card to be added on the same account. Website management page gave useful information on where the money was going....

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I found the pre-paid card was a great way to help the offspring when they were travelling abroad. The scheme allowed for a second named card to be added on the same account. Website management page gave useful information on where the money was going. I thought it was a good way to manage travel money for them without much risk. Overall no more expensive than Western Union etc.

Reply from Virgin Money
Thanks for your feedback. Lindsay
26th April 2018

Awful customer service

Awful customer service Lure you in with a 0% balance transfer then con you in to start paying interest I have already sent my details to your email address and it just gets ignored

Reply from Virgin Money
Thanks for getting in touch Dale, if you'd like me to take a look into this for you just email your details to reviewhelper@virginmoney.com. Thanks, Jane
11th April 2018

Interest Free Credit Card

Great customer experience, great interest free period!

Reply from Virgin Money
Hi there, thanks for your feedback! Great to hear you're happy with your Credit Card, just get in touch if there's anything we can help with. Thanks, Jane
5th April 2018

Great customer Service

Happy to help with anything I needed

Reply from Virgin Money
Hi Anna, thanks for the feedback. You know where we are if you need hand with anything in the future, just give us a shout! Thanks, Lindsay
30th March 2018

Poor service

Virgin money don’t wven reply when they have asked for your details absolutely discussing do not use them

Reply from Virgin Money
Hi Gary, if you’d like me to step in please email your name, address and contact number over to reviewhelper@virginmoney.com and I’ll get the ball rolling. Thanks, Lindsay
25th March 2018

Not to be trusted

Virgin money expect you to log online to check when you are due to make a payment, they say they send email and texts but don’t, even when you send a secure message they say log on to see your reply and guess what nothing there avoid 100%

Reply from Virgin Money
Morning Gary, can you email your details including postal address and best contact number to reviewhelper@virginmoney.com so I can help with this? Thanks, Jane
11th February 2018

Great customer service & easy to use website

I have a Virgin money credit card and love how easy it is to manage the card online, the site is easy to navigate and i can clearly see everything I need to and also make payments as and when I want to. Plus when I've needed to contact customer...

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I have a Virgin money credit card and love how easy it is to manage the card online, the site is easy to navigate and i can clearly see everything I need to and also make payments as and when I want to. Plus when I've needed to contact customer services they have always been quick to answer and also been very helpful

Reply from Virgin Money
Thanks for getting in touch Claire, great to know you're happy with your Credit Card account! Just get back in touch if there's anything you'd like us to take a look at. Thanks, Jane
11th February 2018

Great customer service

after having a problem with my card that left me stranded they were able to fix this problem on time and quickly for me

Reply from Virgin Money
Thanks for leaving your feedback Rachel, happy to know we were able to get this sorted for you! You know where to find us if there's anything else. Thanks, Jane
9th February 2018

Virgin Money and Stonewall - Best Credit Card Partnership EVER

Virgin Money issue a credit card in partnership with Stonewall in support of the LGBT community. The card rocks a beautiful rainbow without the front embossing. The credit card number is on the back. Loved the process from applying for the card to...

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Virgin Money issue a credit card in partnership with Stonewall in support of the LGBT community. The card rocks a beautiful rainbow without the front embossing. The credit card number is on the back. Loved the process from applying for the card to taking advantage of the fantastic balance transfer and retail offers.

Reply from Virgin Money
Hey Miko, thanks for giving us your wonderful feedback and for sharing your experience with us. Let me know if you ever need a hand with anything. Thanks, Lindsay