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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

Appalling Customer Service!

Like so many others, it took me days / weeks to eventually get through to somebody on the phone (due to the fact that I was unable to use online services). And when I did, the "customer service" (what a joke) agent was disinterested, rude, unhelpful and clearly had no idea what they were doing. I was constantly being told to "hang on a minute" and "wait a second" whilst they did something in the background and when I asked if they were able to actually help me they told me I was being rude and cut me off. Needless to say, I have closed my account with them, raised a formal complaint and will not be using them again. What a terrible company! Avoid! Reviewed on: 28th June 2022

Impossible to make contact

Having moved recently, I have mislaid account and logon information for a savings account and have not been able to find any remedy online that works. My only remedy seemed to be a phone call: forget it!! I have just had to hang up after a 30 minute wait. Reviewed on: 8th June 2022

Misleading and expensive (read the small print)

After booking a foreign holiday I then looked for a credit card which would not charge transactions fees. Virgin Credit Cards state that there will be no transaction fee for 6 months. I returned from holiday only to find that I had been charged 2.5% on every transactions. When I rang to complain they told me I could not have a refund because it was written in the SMALL PRINT or as they said the "Terms an Conditions" that this doesn't include using it abroad. I've told them to cancel my account as I will be cutting up my card. Reviewed on: 5th June 2022

virgin money are the worst in the UK by a country mile

Its official! By far the worst credit card company in the UK - clueless support staff, rubbish app that does not work. avoid like the plague Reviewed on: 26th May 2022

Beware - designed to nudge you onto the full interest rate

I made one payment 24 hours late so Virgin Money charged me full interest from that point on - suddenly I was paying 22.9% interest instead of 0%. Of course they don't communicate this with you so you find out several months later after parting with £100s of pounds in interest. My fault for paying late, you might say - well I had a direct debit setup which they had inexplicably cancelled. Beware of joining, you may end up being 'nudged' onto the full interest rate. Reviewed on: 5th May 2022

I was in the Stockton branch, cancelling a direct debit and it was very busy, but got dealt with quickly and efficiently and overall was an excellent experience.

I'm not a lover of doing things like this, I'd rather do everything online but I had to go in the bank to sort out the problem and glad I did, as it's made me think, why be bothered about dealing with things publicly. The young gentleman who served me couldn't of been more polite and efficient, actually put me in a good mood for the rest of the day. Problem solving 10/10 and very quick. Cannot recommend this branch anymore highly. Reviewed on: 5th May 2022

Sub standard app

Initially the app is slow to load. Thereafter, at least every 2 weeks, the app fails to load requiring me to to uninstall and reinstall. A bad move to discontinue the Web site Reviewed on: 30th April 2022

Great

Good credit card, but app is confusing Reviewed on: 4th April 2022

They Think Out of the Box!

When I came to the UK, I had no credit history here. Applied for some credit cards and all were rejected apart from Virgin. They called and verified/asked about my income channels and were pleased to issue me a card. I still have the card (2011) and happily use it. I was subsequently given and used other cards by other lenders but soon cancelled them all albeit my Virgin card. Thank you Virgin Money, you have left an impression and experience I will never forget. The card has a great App and is secure with convenient features. Reviewed on: 10th March 2022

They suck

Customer service is an alien concept. They've removed online access to card balances from all of their customers and introduced a new app. that doesn't work. Dreadful. Avoid. Reviewed on: 21st February 2022

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