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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

View other Virgin Money products

3.85

Based on 801 reviews, last reviewed 22nd Jan 2026

200% increase 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

Easy to use app. Easy to use app. But shame about delays on updates. Reviewed on: 22nd January 2026

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 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.

Virgin Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

Virgin Money Credit cards reviews (801)

Review of the Virgin Money, Credit cards:

Please don’t use This card

My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

Do Not Entertain !

This company is an absolute joke and I would never recommend using them for anything. I received my credit card from them. Downloaded the App from Google Play store put in the information to activate the card and nothing, could not get beyond the summary screen showing the information I had inputted. Uninstalled the App and reinstalled the App 3 times, same on each occasion. Spent 1 hr trying to contact someone in Customer Services, nobody ever answered. Sent emails to the addresses provided by VM, all bounced back. reached out on Twitter and Facebook - no response. This was all yesterday so today I though I will give it one last go. Downloaded the App again, same result. Rang Customer Services and this time did manage to speak to a human. The lady tried to suggest it may be an issue with my phone but as I pointed out, how come I can use HSBC online banking, Barclaycard online, you name it, I can use it but not VM App. Was not able to solve the issue so I told VM to cancel the card. Absolute shocking company and terrible CS. Reviewed on: 5th November 2022

Absolutely dreadful

Absolutely non-existent customer service, archaic banking app, complete lack of security and processes that take weeks to fulfil. Currently trying to get a refund for a purchase I made from a company that are now in administration - the website advises I send a letter with print outs of the emails I've recieved alongside my credit card number. Welcome to banking in 2022 with Virgin! Reviewed on: 1st November 2022

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

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