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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (789 reviews)

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3.72

Based on 789 reviews, last reviewed 6th Mar 2025

300% 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

Love the balance transfer card I got the balance transfer credit card and it's been a lifesaver, very generous with their 0% transfer offers Reviewed on: 6th March 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 (789)

Review of the Virgin Money, Credit Cards:

Give me an app!!!

I do like the card art - I chose the sex pistols cover for my card which EVERYONE comments on, but the lack of an app to see my balance is really frustrating me. having to a) find the login page for credit cards, and then b) enter 3 pieces of info to get to a transaction view which frankly isn't great is really killing the experience for me. Also, i can't get another card for a second account holder, and apple pay is STILL not supported. 'could do better' Virgin Money Reviewed on: 21st November 2016

Applied for a credit card at the beginning of May wh...

Applied for a credit card at the beginning of May which I needed for a family holiday for the end of the month. Even called in after I got accepted to clarify my situation and was guaranteed that card should be with me by then, as cards take 7-10 days to arrive. Waited patiently for the card since the 4th May, and yesterday (the 20th), was the 10th working day as well the day the card was meant to arrive. Still nothing came through. Decided to call the support number to get an update on my situation as I believed there could be a possible delay with the delivery or things of such and the operator blocked the card without my consent, although me telling her not to do so as I’d rather wait a day or two for possible delays and she told me that I will have to wait all over again for the new requested card. Had to cancel the holiday due to this. These people are not reliable and careless for customers needs. APPLY FOR A DIFFERENT CREDIT CARD IF YOU CAN. Reviewed on: 21st May 2024

Don't do it. Such a scam and the worst experience.

There is no process to gain access to your account once they "lock" you out. Not even the Customer Service Team has access. They are charging me fees that I cannot even view. This is an absolute scam, and I wish I had never opened an account with Virgin Money. I now have other accounts with AMEX and Monzo, the experience with them is incomparably better. Please don't put yourself through it. Reviewed on: 15th May 2024

Difficult to contact

Did not follow instructions re. direct debit I am deaf so cannot telephone.Wrote to them.They did not even acknowledge.I have binned them Reviewed on: 4th May 2024

I often travel transatlantic so a virgin credit card...

I often travel transatlantic so a virgin credit card has offered lots of travel perks Reviewed on: 2nd May 2024

Issues travelling with travel credit card

Very disappointing customer service and process in place for international travellers. I took out the travel credit card for the purpose of travel and currently in country with another month of travel pending. I have accidentally input my pin wrong and they have blocked the card. I am required to go to an ATM and use the pin services except that feature is not available for international cards in the country in Asia that I am in. I have explained this to over 6 customer service reps over the phone at the help centre and they are all clearly reading off a script and not grasping the fact that this not feasible and cannot offer any solution. Surely if they are going to offer travel credit cards to customers they need alternative process in place to offer card security but be able to remove pin blocks when travelling as this can leave people in difficult situations not able to access money and apple pay is not always widely accepted depending where you are so you can not rely on that for all transactions. I have had to use google, online forums and tik tok to find solutions as the virgin customer service team cannot offer any human empathy that this is a real life situation that needs resolve. Reviewed on: 26th April 2024

Fantastic communication

Fantastic communication, easy transaction, easy link to pay , total peace of mind Reviewed on: 12th April 2024

Default notice by mistake!

I have 2 credit cards, one with Capital which I’ve had no issues with and the second with Virgin. When I initially got my card I made a purchase of £700 on an office desktop which froze my account so I rang Virgin and they resolved the issue an hour later being able to make the purchase, which was the first issue nothing major and easily sorted by their team. A month goes by and my app and online account is blocked which initially disrupted my payments I was told a couple of months later I could use a sort code and account number with a reference to pay via my bank direct, they also told me they blocked my account because I needed to send them identification 3 months after using my card which I found rather unusual, assuming this is something they should have done when applying not after using it 3 months later. To top it off my app and online account is still blocked having been told various times through the year it was a mistake and is now resolved safe to say it isn’t a year later. I’ve now received 3 letters, 2 dated the 10th of March and 1 the 12th of march. One tells me I am late on 2 payments, yet my most recent statement tells me I have no fees and I only owe for the following month coming and then the third letter tells me my accounts gone to default and I owe the full amount on my account. After all this I’ve rang and an hour in the team at Virgin said it’s a mistake and admitted fault and they are now in the process of trying to reverse the default notice which will impact my credit file for the next 6 years. I’ve been told I’ll be called back again twice now but with my original issue still standing a year later I’m not looking forward to the final outcome. Reviewed on: 18th March 2024

Good app, lets you do most things, but has in the pa...

Good app, lets you do most things, but has in the past shown the wrong balance whilst their system is updating. Reviewed on: 16th March 2024

Got a great interest free deal and great customer se...

Got a great interest free deal and great customer service to help resolve when there were problems Reviewed on: 11th March 2024

Treated like criminal - I was victim of £18k fraud

My credit card has £18k of fraud. I only found this out when I checked my credit report. I called them and they refuse to talk to me unless I post them in ID documents. They also locked my logins. I begrudgingly posted them anow they demand I post them proof of my old address which is near impossible for me to obtain. I work in compliance, and this is gravely irresponsible on their behalf. The request is also more than overreach of what they need. They can easily access all this electronically. I cannot begin to describe the stress this has caused me. Please think long and hard before using this organisation. They are not on your side and treat you like a criminal when you are the victim of fraud. Reviewed on: 11th March 2024

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