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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (797 reviews)

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3.78

Based on 797 reviews, last reviewed 12th Jun 2025

25% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Excellent card service on lost account I found out about a dormant account that was discontinued more than 10 years ago. It had a balance due to me on the card. I had no card details availa... Read more Reviewed on: 12th June 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.

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 (797)

Review of the Virgin Money, Credit Cards:

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

Poor communication

I endured many phone calls and many errors and generally broken lines of communication and wrong information. Despite many letters phone calls and emails I was compensated for their errors but was left very scarred by the experience would never use them again. Reviewed on: 4th June 2024

Virgin money good reputable company

Virgin money good reputable company Reviewed on: 3rd June 2024

Money Transfer Credit Card

Never heard of a Money Transfer Credit Card before but found an excellent, long no-interest card from Virgin which has really helped me out a lot. Excellent product and easy to apply for. Reviewed on: 31st May 2024

Twice ( and now I’m on holiday ) my card has been bl...

Twice ( and now I’m on holiday ) my card has been blocked , access to the website blocked and not once a text or a warning. And we think a cashless society is the way to go. Not with Virgin it isn’t. I’m was escorted to a money change to change currency to pay a bill. And now no one can be reached as it’s out of hours. Brilliant service!!! B Reviewed on: 28th May 2024

Exceptional experience with Virgin Money

I applied for a Virgin Money credit card about a year ago, and I was thoroughly impressed with the entire process. The application was straightforward, and I received acceptance quickly, which was a pleasant surprise. The efficiency of the process demonstrated Virgin Money's commitment to customer satisfaction. Moreover, the customer support was outstanding. Whenever I had queries or needed assistance, the support team was prompt, knowledgeable, and genuinely helpful. Virgin Money provided relevant products tailored to my needs. I was offered an installment plan, which has been incredibly convenient for managing my finances. Additionally, they continuously provide new offers that add value and flexibility to my financial planning. Overall, my experience with Virgin Money has been exceptional. Reviewed on: 24th May 2024

A reputed company.

A reputed company. I've few of their products and all their customer service is always excellent. Thought their products can get sometimes expensive. I've lost my card few times and got it straight away. Someone tried to use it and it was blocked. Thank god for that. Reviewed on: 23rd May 2024

Appalling company

Gave a wrong password by mistake on phone back in February. Virgin money have requested I post in ID and proof of address. I have done this twice. I also went in a Virgin money branch and they emailed it to them. They still say they haven't got it. Rude unhelpful staff. Had the phone put down a few times. They refuse to send statements but have taken large sums by direct debit. The only reason I care is that this account should be in credit due to a holiday refund. Despite complaints and numerous phone calls they are refusing to close the account and refund the money. Worst company I have ever dealt with. I am at a loss what to do next. Reviewed on: 21st May 2024

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

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