Write a review

Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (798 reviews)

View other Virgin Money products

3.80

Based on 798 reviews, last reviewed 13th Jun 2025

33% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Would 100% recommend Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Latest lowest rating:

1

Disgusted with fees Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to ... Read more Reviewed on: 11th March 2025

Read all reviews Write a review

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.

Review Virgin Money: Credit Cards now

Help others make smarter decisions by sharing your own experience.

Write a review

Virgin Money Credit Cards reviews (798)

They don't take security seriously

Waiting over 2 months to 'unlock' my account despite sending ID via mail multiple times and going into a branch to get it sorted. Also I'm on the phone now, waiting over 40 minutes just to speak to their credit card team. Can't wait to cancel my credit card with them and boycott virgin forever. They have wasted countless hours of my time. Reviewed on: 31st October 2022

What on earth?????????

I have been waiting 12 weeks for my card, no one can find me at there "call center" as they cant find me on there system yet keep emailing me with offers and telling me to use my card??????. Checked my credit score and dropped 126 points ????? I have never owned a credit card before but got it for legal protection for travel. Imagine trying to claim anything? What a waste of time that would be. Just stressed now, phone two three times now and they just cant help me ?????? Avoid !!!!!!!!!!!!!!!!!! Reviewed on: 25th October 2022

Overall poor in multiple areas

My experience with Virgin Money has been poor. I tried to do a money transfer (promotional rate) on my credit card and it was incorrectly flagged as fraudulent. The only way to resolve this was over the phone as they locked me out of the app. This took 42 minutes in total, being on hold for most of it and I ended up being passed around various times, speaking to 3 different people. In the end my issue was resolved, but the money transfer will now take another 2 business days to reach my account. Very frustrating delay as other providers are much faster with a single business day turnaround. What should have been an easy thing turned into a big annoyance for no valid reason. If Virgin had the right procedures in place, I could have confirmed my details in their app rather than being on hold for close to an hour. I wouldn't recommend this company. I regret even trying the money transfer in the first place as I fear I will have to phone them up again for any further issues. This requires time and a huge amount of patience Reviewed on: 12th October 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

Do you have a different Virgin Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Nectar Credit Card
from Sainsburys Bank 2.77 from 96 reviews
Credit Card
from Shop Direct 4.76 from 6 reviews
Everyday Credit Card
from Creation 3.02 from 19 reviews

Want to see more from Virgin Money?

Help to Buy: ISA
from Virgin Money 4.52 from 23 reviews
Fixed Rate Savings
from Virgin Money 4.27 from 60 reviews
Regular Savings
from Virgin Money 4.11 from 59 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub