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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (785 reviews)

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3.72

Based on 785 reviews, last reviewed 27th Jan 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Virgin Money Credit Card Clear guidance and easy to use app. Very good terms and good transfer rates and 0% interest period. I would definitely use Virgin Money again. Helpful... Read more Reviewed on: 27th January 2025

Latest lowest rating:

1

If you have a credit card and an an app but are lock... If you have a credit card and an an app but are locked out of your account they are not open 24/7 to unlock your app, not even on a Sunday. If u are i... Read more Reviewed on: 5th January 2025

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About this product

Virgin Money offers a range of credit cards with various features to suit different needs. Options include cards with 0% interest on balance transfers and purchases for an introductory period, cashback, and no foreign transaction fees. The cards can be managed through the Virgin Money Credit Card app.

Do you have a Virgin Money credit card? If you do then you can help other customers make good financial decisions by leaving a Smart Money People review.

Virgin Money Credit Cards reviews (785)

Review of the Virgin Money, Credit Cards:

Nice easy product

Quality product with good app and clear information and commuinication. Reviewed on: 11th January 2022

Hopeless

At present sitting on the phone for 1hour 11minites and 12 seconds while the operator checks with his "specialist". Nobody in their right mind would ever try ringing Virgin without having something else to do so you don't waste your time while waiting. I thought they were bad when they were handles by MBNA but they have manged to surpass even their incompetence. No 1h 15m 10s!!!! M. Reviewed on: 6th October 2022

awful, just awful

I had a virgin atlantic credit card for many years. My wife and I spent around £5K per month on it, clearing the balance by direct debit. You would think that would make them want to keep our custom but their online service was so shockingly bad that we had to switch. Kept on hold for hours on end and when you get through the information given is incorrect. Now with American express and they're really super. Reviewed on: 4th October 2022

Absolutely the worst customer service

Never take their credit card out if you care even 0.0000000000000001% about customer service. It's actually amazing how bad their customer service is considering they're based in the Western world in first world countries. Absolutely terrible they way you're treated if you want to use the chargeback or section 75 claim. You're treated as if you are coming fraud and the fact that you 'can't' claim online is just ridiculous in the paperless age. They still have to send paper forms out so of course, you can't attach any proof unless you have a printer. Then it takes months before you hear anything. Probably every other company does a claim online or over the phone and you hear back so quickly! It's like virgin credit card customer service are just manned by one person who doesn't know what they're doing. I had to create an account to leave this review, that's how bad this company is. Reviewed on: 3rd October 2022

you need to sort out you call request

don't use them stay far away. all am trying to do is find my id number. spent nearly 2 hours trying to get it Reviewed on: 3rd September 2022

Worst customer care experience of my life

Your money that you trust them to look after disappears and then you can’t get anyone to help. IF YOUR THINKING OF OPENING ANY ACCOUNT WITH THESE, THEN DO YOURSELF A FAVOUR AND DONT. They are very difficult to get hold of and then when you speak to someone they hang up or lie and promise callbacks that never happen. DOROTO is one such member of staff, been waiting two weeks for a callback promised within 48 hours. Then when I contact her she hasn’t done anything to look into it for me. This company don’t even respond to formal complaints. An absolute disgrace of a bank. There are a lot of much better banks around. I also bank with Monzo and Nationwide and never had any problems Reviewed on: 21st August 2022

excellent

Excellent, easy to use online app. Reviewed on: 16th August 2022

They couldn't even get to the phone!

I was pre-approved for this card and wanted to take advantage of the balance transfer. They decided that they need to talk to me to clarify a few points maybe. So I rang 20mins later still no one to take my 0800 call on my mobile is 11p per minute, twenty minutes later no thanks and hung up. Tried again packed it in at 7 minutes,exactly the same. Personally I don't even want you to extend me any credit anymore, as your bank have proved that your staff are over worked and there aren't enough of them to deal with phone calls,let alone money transfers. May well have dodged a bullet there according to other reviews. Reviewed on: 12th August 2022

frustrating

I wanted to pay my credit card in full. Person who answered phone presented as having real difficulties understanding English. I asked several times for her to slow down her speech and repeated many times relevant information. When I asked about the balance she stated 21435 which increased my anxiety since I know this is not correct and I do not owe thousands. When I explained about communication problems and asked to speak with someone else who could help me - she replied there is nobody. I then asked to be put through to the complaints department and after waiting some time, confirmed £214.35 balance. There is clearly a training issue here for Virgin employees with telephone communication and needs to be given priority. I should mention this is not the first time this has happened. Reviewed on: 11th August 2022

100year old orangutan lost in space

i got the card downloaded the app but my phone is too old to see my pin . Was told 5 weeks ago I would get a form to fill in to get the PIN still waiting impossible to find the right option on the phone and 1 hour waiting time. Send me a form . Reviewed on: 10th August 2022

Appalling service

This is the worst bank ever. They don’t know how to resolve basic problems. The branches are so poor nothing seems to work properly. I’ve been waiting for over an hour to get through. If that voice says one more time your call will be answered shortly I’ll go mad. They really need to get up to speed. Will now be taking my business elsewhere and I’ve been a Clydesdale customer since I was 16 shocking service now that they are Virgin Reviewed on: 4th August 2022

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