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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (788 reviews)

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3.71

Based on 788 reviews, last reviewed 26th Feb 2025

50% 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

Money transfer card Opened a money transfer card at a 0% rate. Everything went smoothly. Reviewed on: 26th February 2025

Latest lowest rating:

1

Please don’t use This card My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask whe... Read more Reviewed on: 10th February 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 (788)

Review of the Virgin Money, Credit Cards:

Please don’t use This card

My card got hacked so I cancelled the card. Asked for a new card to be sent out . Card was sent to the wrong address, when I contacted them to ask where my card was they wouldn’t tell me the address it was sent to. They just said it wasn’t sent to the address I asked. I Tried the same process again giving them my address 3 times making sure they had the correct address. Again the same thing happened, I’ve never had an issue receiving mail at this Address, it’s now been one month no card. Tried several times to resolve the problem and the consultants were of no help whatsoever. This card has a few good things going for it in the rewards program but thats about it. This is the first review I’ve ever wrote custom service is the worst, once your card is locked from being hack you cannot access to see any transactions. I wanted to cancel my card and pay out the balance but couldn’t access my profile to double check the transactions. End of the day worst experience cannot recommend this card whatsoever Reviewed on: 10th February 2025

Long BT Offer

With BT offers getting shorter, it was nice to get an extended 0% deal. Not had much interaction but the Mobile App works for me (and I've seen the reviews from others). Reviewed on: 6th May 2021

Indifferent service arranged to suit Virgin rather than it's customers.

Dealing with Virgin fells as if it's all too much trouble for them and it's certainly too much trouble for me. Doing it yourself as a very small provider is clearly not effective. Use the app or receive third class service seems to be the Mantra. Latest change is to use Corona Virus as excuse to answer phones 10am to 2pm even when fraud suspected. Card not used much now and when used only due to supplier not taking Amex BA or Swiss Miles & More. Might I suggest the Virgin management check the 24 hour effective pleasant service provided by Amex. Reviewed on: 16th April 2021

Strong Offer in a Competitive Market

I needed to get my monthly credit card payments under control and I found Virgin Money's 0% Interest offer one of the best value for money offerings available, the whole process was simple and I am very happy with their services. Reviewed on: 8th April 2021

Poor customer service

I have a credit card with Virgin and had set up a Direct Debit to pay the Minimum payment each month which have never been missed. I chose this this card as it had 0% and had transferred a balance from another card and have made no further purchases or transactions. Just before Christmas they sent me an email informing me that as I was only paying the minimum each month they would have to reduce my credit limit as they felt I couldn't control my debt and was a bad credit risk I was a little shocked at this as like I said I have never added anything except the initial balance transfer. Worried that this might be affecting my credit score I increased my payments only to receive another email a few days later saying they had increased my balance back up. Reviewed on: 19th March 2021

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

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