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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (792 reviews)

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3.73

Based on 792 reviews, last reviewed 17th Apr 2025

500% 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

The staff are absolutely fantastic they are helpful,... The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 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

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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.

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Virgin Money Credit Cards reviews (792)

Appalling Customer Service

I have been experiencing some irregular charges on my virgin credit card. I was charged over £335 by DD including interest between 5th January and 6th February 2022. Just within one month!!! My balance is about £4500. I thought at least the balance should be decreasing and so I’ve been trying to reach customer service for the past two days for a better explanation. I was on the phone for almost an hour and it abruptly ended. When I try to call again, I was told that they were closed now and were only available between 8am to 6pm!!! It was 18:02 hrs. I was shocked. Now I want to see my balance going down and not shooting up because I’ve not used my card for almost a year. I’m trying to pay off the balance. And the App is not user friendly either. Reviewed on: 7th February 2022

I would have given zero but that wasn't an option

In a few sentences, I locked myself out of my app at the time when online services were taken offline last year. I have been locked out of my account since December 2020, apparently the entire Virgin Money corporation is locked out of my account but every 15th, the magic fairy is happy to sneak into my current account and she apparently has access to my credit card account. The tricky bit is that I can't do much, not even define the amount taken as DD monthly. And because this is a card with 0% interest rate, of course Virgin is fine to be reducing my DD from £120 per month I had a standard to now being £54. Stay Away from this company. Reviewed on: 22nd January 2022

Simple to Use

Straightforward app, easy to use, no issues. Reviewed on: 13th January 2022

Virgin Atlantic Credit Card

I have started using the Virgin Atlantic credit card for all my purchases and by doing this I am earning points towards flights. As long as you pay for what you spend on your card it is great. It is a great card, good credit limit and accepted everywhere! Reviewed on: 12th January 2022

Great app

Easy to set up and great detail in app Reviewed on: 12th January 2022

Nice easy product

Quality product with good app and clear information and commuinication. Reviewed on: 11th January 2022

MOST CERTAINLY NOT THE CLYDESDALE BANK ANYMORE, SHOCKING CUSTOMER SERVICE!!!

've been banking with Clydesdale bank (re-branded as Virgin Money) for 37 years. Ive always used their loan facilities for purchasing new cars as their rate was always better. Recently though, I applied for a new loan, slightly more than previous as new car was a little on expensive side, and seeing as how I'm now mortgage free, I thought I'd treat myself!!! All applications are done online now, there's none of the old interactions with a member of staff, just a key board to say "yay or nae". I have to add that I've a near to perfect credit rating, never overdrawn, no missed payments for anything in my adult life, something that I'm proud off!!! Anyhow, not getting instant answer from website, I'm advised that it will 2 working days to reach decision. True to word, I get phone call after 2 days from VM. A young gentleman, not long out of school by sounds of it, tells me that it has flagged up as I've also got a PCP contract on going with a motorcycle company (same case for over 15 years as I change bikes reg) I state that all this is well within my affordability as my income to VM clearly shows. After some non relevant questions, he states that he can either decline on the spot or refer to a manager!!!! At this point, I'm made to feel like I've went to bank with a begging bowl( possible slight paranoia on my part)? After some more non relevant lecturing about unsecured borrowing, I've snapped and told him what I think of VM and where he can refer the application too, and it certainly wasn't in the direction of a manager. Now I'm half Scottish / half Italian, and we are not the most patient of people at best of times!!!! , and it wasn't so much in what he said, more in the way of how he said it!!!!! Once off phone and calmed down, I proceeded to calling of VM's competitors, actually got to speak to a representative, 10 min call with immediate acceptance!!!! WTAF Virgin Money!!!???!!! U have now lost my business, and a loyal customer of over 36 years, shame on u!!! Reviewed on: 15th December 2021

Trying to resolve an issue...

I have been trying to resolve an issue with Virgin Money since the 25th November, and due to misinformation has now landed me in quite an awful situation, subsequently I'm now being penalised for their mistakes, which if the correct information was provided in the first instance the issue would have been resolved. First line customer services are inexperienced, have a lack of knowledge of most things it seems, poor phone etiquette and a general sense that they just don't care. I have spent so much time on hold from my initial calls, through to being COLD transferred on numerous occasions to the incorrect department, requiring me to reiterate the reason for my call. The mistake they caused will apparently take up to 8 weeks through their complaints team to resolve... which then puts me in a very precarious financial situation due to the circumstances I've been placed in, which being a mistake on their part, this should be looked at as a priority! Severely disappointed with the service offered from all accounts, and certainly will not be using their services again once this issue is finally resolved IF it get's resolved, because from my experience so far, I am not confident. I'd would urge anyone to seriously rethink their options before considering Virgin Money, any mistakes they make, you will almost certainly be penalised for! Reviewed on: 13th December 2021

The new Virgin Money Website is pretty much designed for one man business . Don't use them if your a professional user you will be disappointed.

If like myself you do not wish your employee data being used by your bank you will unfortunately find Virgin money expect the mobile phone number of your employee . If you wish them to use a token fob , the bank will fully expect their home detail to send the keyfob to . If for instance your child intercepts the post and plays with the token, your phone or even your pc who do you expect the bank to blame . Hardly professional giving out employee data and very much frowned upon by the Information Comissioners Office , yet Virgin gets away with it . They had a fabulous system before that suited medium and large sized business but did cost them as it was developed by a very professional team. Did it cost them or each and every one of us who paid Banking Charges for the privilege of a safe, secure fantastic product . So why does one ask why on earth employ people with no banking knowledge or accounting knowledge develop a system / website ? My gut feeling ,a bank thats motivated by profit and only profit ! Reviewed on: 16th November 2021

Refused a replacement card

I had a Virgin Credit Card for 3 years I tried changing my address on their app only to be told to "call us". I called Virgin to explain that I had changed address only to be told my account had expired (not card). It turned out that they were refusing me a replacement card after a credit report. In the 3 years I held the card my repayments were always on time and never missed one, in fact it must have been the only credit card in the UK that was £25.00 in credit (I wonder if I'd have been treated the same if I had a balance of over £1000) I think not. So being very angry about the way I have been treated I told them to close my account and refund me my £25 I am also in the process of closing my Virgin Money bank account, cancelling my Virgin Mobile contract and my Virgin Media account. If this is the way you are treated for being a loyal customer Virgin then you don't deserve anyone's business. Reviewed on: 5th November 2021

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