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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (799 reviews)

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3.84

Based on 799 reviews, last reviewed 21st Aug 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

63%

11%

20%

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

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.

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Virgin Money Credit cards reviews (799)

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

I send them four ID as a proof of identity to no avail

I send them four proof of my addresses some how non was good enough they were utility, pension letter tax letter and insurance documents Reviewed on: 26th July 2022

Quick efficient happy

Very good quick response and great rates Reviewed on: 26th July 2022

Absolutely appalling service

Absolutely disgraceful service Absolutely disgraceful service. They were late in opening my account and only actioned my application when I sent an email not to bother. They opened a complaint in May advising someone would contact me. No body did. Eventually got a letter saying a response to the complaint would be addressed within 6wks. After 6wks another letter saying apologies but will be another 4wks possibly. I submit a closure of account form. This is completed within 24hrs, but no communication to confirm this; I had to find out for myself. Absolutely appalling service from a credit card company, little or no response and delays after delays. I would recommend everyone avoid like the plague and hope that the FOS jump on this cowboy outfit. Reviewed on: 22nd July 2022

so difficult to open account ,phoned several times keep waiting over 20 minutes, when I got through help was in short supply, eventually gave up and went else where

Bad customer care, they need to be able to provide help but failed to receive it Reviewed on: 16th July 2022

Terrible customer srvice

It's all such a mess, no answer on telephone lines - app is confusing Reviewed on: 11th July 2022

Helpful telephone banking

I find the telephone banking experience very clear and easy to navigate. Reviewed on: 8th July 2022

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