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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.

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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

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

Straightforward

Really straight forward to use, simple app, great service. Reviewed on: 26th June 2020

Excellent

Great communication, excellent offers and really easy to use mobile app Reviewed on: 1st June 2020

Great offers, hassle free

Virgin Money are easy to deal with and give great 0% offers to existing cardholders, unlike other providers Reviewed on: 18th May 2020

Solid credit card

Responses to queries are quick and useful Reviewed on: 1st May 2020

super service

Really good services. Highly recommended. Reviewed on: 28th April 2020

Good for Long term 0% interest and easy to use app

I have had a good experience with virgin money with a long term 0% interest card. Easy to use app also! Reviewed on: 27th April 2020

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