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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.81 (807 reviews)

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3.81

Based on 807 reviews, last reviewed 18th May 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Lower interest rates and good customer service Lower interest rates and good customer service Reviewed on: 18th May 2026

Latest lowest rating:

1

Ignore formal complaints and SAR I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that ... Read more Reviewed on: 16th April 2026

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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 (807)

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

Worst credit card company I have ever had to deal with

Awful customer service and an app that is a waste of time . Trying to contact someone took 3 days and they were useless and gave wrong information. Avoid at all cots Reviewed on: 4th July 2022

Worse Experience

They have approved the card after doing all the searches on my credit history and reduced my credit score. Once I got the credit card with approved credit limit they simply freeze my card even I haven’t done a single transaction. When spoke to help centre (Joffrey from support centre)I found my account is under review even I haven’t made a single transaction and even not accessed my account yet. Very terrible experience. WORSE SERVICE I HAVE EVER EXPERIENCED Reviewed on: 4th July 2022

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