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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (783 reviews)

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3.71

Based on 783 reviews, last reviewed 28th Nov 2024

50% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Virgin Atlantic card wow Good card. Like the website, like the offers Reviewed on: 28th November 2024

Latest lowest rating:

1

International transaction fee? International transaction fee? $170? Wow! No fine line when this card would charge you international transaction fee. The charged me for $145 annual f... Read more Reviewed on: 15th November 2024

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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 (783)

App has improved

Their app has improved and I can now control more than one credit card from the app, however, they have removed the option to manage credit card accounts from their website and I have had issues when contacting them via telephone, with problems left unresolved. Reviewed on: 1st March 2021

App Only

You can now only manage your credit card on their pathetic app as opposed to being able to do it on a website on your computer. A quite ridiculous decision in this day and age. The app is very poor, takes 10 times longer to use, and often crashes. There is literally no option to use on a computer any more. Crazy. Reviewed on: 26th February 2021

Account blocked

My account has been locked for 7 days!! On Friday afternoon, after trying to make a substantial transfer to buy a car, I was told to call the bank. They were unable to verify my ID over the phone, so I was told to take ID to a branch. I asked which branch is the nearest, they couldn't inform. Banks close at 2pm. So on Monday morning I visited the nearest Virgin money branch and I was told that they cannot help, I need to go to another branch Enfield or Kensington, miles away by public transport, during this pandemic, I'm over 50 with asthma. So I called them again, 6th time, every time it's 20 minutes or more waiting, I told them I don't need to make the transfer anyway, already lost my car! And I asked if I could send my ID by email, so advisor gave me the link to upload my passport, document submitted successfully 3 days ago but my account is still locked!! Reviewed on: 24th February 2021

App is pants, separate logins online and app

Having separate logins for website and app was weird, thankfully they have removed their website - however it appears some of the functionality has not been added to the app (e.g. updating address) from the website. Reviewed on: 18th February 2021

Highly recommended

Great balance transfer periods. Helped me to become debt free. Highly recommended. Reviewed on: 17th February 2021

When its hot.....

Virgin offer some of the best products on the market, but not all the time, if you r lucky enough to look at the right time theres no doubt you'll be better for it Reviewed on: 17th February 2021

Atrocious - I just don't have words

Someone at Virgin Money decided to turn the credit card management website off which is how I have always managed my card. (whoever made this decision should be removed from their position for incompetence - whoever heard of a bank in the 21st Century without online banking/card management via a website?). I rang to see how I could get access and to ask for my card details as I can't find the card (no card - no app access). They can't be provided over the phone and it will be 7-10 days for a new card. I asked the question 'how do I manage my account if I don't have a smart phone?' I was told you have to ring which means sitting on hold for ages - there is no other option. I was asked to go through extended security to order a new card - part of the security questions involved answering questions specific to the account which I don't have access to so I failed security and have been told I can't order a new card! I was transferred to a different department, (had to sit on hold for 15-20 minutes to try and go through security again), which I failed again because I was asked questions specific to the account (again). The account is now locked and I can't access it without sending (via Royal Mail - there isn't even an email option)photographic ID to ID myself (I've allowed my passport to expire as I don't see the point in renewing at the minute due to Covid), the options for ID are limited and strangely I don't have a firearms certificate. So its now effectively impossible for me to access my account. I asked if I could close the account and was told 'no - account is locked', if you don't have the photographic ID it will have to go through a complaints procedure that takes up to 8 weeks (even then there is no guarantee the account can be accessed) I've never heard of anything quite so ridiculous...... I also requested all of my information that Virgin Money holds on me under the data protection act (a subject access request) and the request was denied on the grounds that the account is locked - they said I can't verify who I am (my understanding is they are not allowed to do this). I pointed out the account lock is irrelevant, I'm asking for the information to be sent to my home address which is registered against my account. Reviewed on: 1st February 2021

Great credit card

Great 0% interest credit card, good app and easy repayment plans Reviewed on: 18th January 2021

Just Awful

My experience with Virgin Money has been nothing but extremely bad. I have a Virgin Atlantic Credit Card which had a reasonable amount of money refunded to it from various companies. I tried many many times to contact Virgin Money in order to have MY money refunded to my bank account, but each time I tried to contact them I was fobbed off in fact the last time I telephoned them a lady answered the phone a gave me a number of reasons why she COULD NOT speak to me, after I complained (wasting more time ) she agreed to speak to me....she then told me I failed the security questions....I asked to speak to someone else and was told I had to telephone back.. I was furious that I had to hang up and telephone Virgin AGAIN only to get the same lady.....who then transfered me to someone else AMAZING. I will cancel my Virgin Credit card and I would urge anyone who is thinking about a Virgin Credit Card is to go somewhere else or you could regret it. I only took out a Virgin Credit Card to collect Virgin Atlantic points who are also awful ( cancelled flights with no refund for 4 months when British Airways refunded in 7 days ) I have since taken out a BA credit card which is much much better. Reviewed on: 23rd November 2020

Easy balance transfer

Easy to set up and transfer my balance from another card. Then paid off with no interest over the next 10 months. All hassle free Reviewed on: 12th July 2020

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