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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (787 reviews)

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3.70

Based on 787 reviews, last reviewed 12th Feb 2025

200% 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

Great, easy to use app. Great, easy to use app. Clear information. Pretty bit of plastic :) Reviewed on: 12th 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 (787)

Review of the Virgin Money, Credit Cards:

Good cashback perk

Cashback perk can be very advantageous if used smartly. Email newsletter is good with offers and competitions. Managing through phone isn’t the easiest as some competitors - no app with iphone finger scan. Reviewed on: 19th November 2018

Reply from Virgin Money Hello James, thanks for sharing your feedback. We'll update our customer in regards to an app as soon as we have any news. Thanks, Lindsay. Response date: 22nd November 2018

Poor

I was charged a fee for not paying off my balance even though my balance was below the minimum amount I could send payment for - effectively meaning there was no way I could pay off the balance until they had added the fee. I contacted Virgin in advance to ask them how to rectify this but they never replied. They just added the fee. Shite. Reviewed on: 2nd January 2019

Reply from Virgin Money Hi there, thanks for getting in touch. If you'd like us to take a look into this just email your details to [email protected]. Thanks, Jane Response date: 6th January 2019

Unacceptable behaviour

Stay away from virgin money. I made a few late payments (not missed any) Last year as I was facing financial difficulties which were not of my own doing. 8 months on I contact virgin money and asked if they can kindly remove late payments from my file as it was affecting my credit history. Behold I was told they have a strict policy on late payments & refused to do anything about it. Other credit card companies removed it straight away. It seems virgin enjoy penalizing you even though it was 8 months on & I have reduced my debt to 25% of limit. Never agian will i take on any services from virgin. Reviewed on: 2nd January 2019

Reply from Virgin Money Hi Abz, can you email your postal address and best contact number to [email protected] so we can take a further look into this for you? Thanks, Jane Response date: 6th January 2019

Easy & reliable

My current banks 0% interest offer was coming to an end, I did a soft check with them for a new offer but was declined due to recently taking out a mortgage. Did a search online and virgin came up offering 0% interest for 29months & only 1.75% fee for balance transfers and accepted me straight away! I have now moved all of my remaining balance to my new card and set up a direct debit that will easily pay it off before the end of the offer. Thank you Virgin! Reviewed on: 2nd January 2019

Well Pleased

Excellent service and very user friendly web site. Reviewed on: 2nd January 2019

Better than any other bank

Great experience and great deals on credit Reviewed on: 2nd January 2019

Fantastic value

Great card for using abroad Accepted everywhere, no transaction fees, better than tourist exchange rate Reviewed on: 2nd January 2019

Need to up to date with the times

Apple Pay and an app with fingerprint recognition needs to be added for a much better and faster customer experience Reviewed on: 2nd January 2019

Reply from Virgin Money Great to hear from you Gary, we're currently working on an app and will let our customers know once there's any news to share! Apple Pay is not something we currently support, but we understand digital wallet functionality is something our customers are looking for. Thanks, Jane Response date: 7th January 2019

Good service. They listen

If I have made a mistake paying off wrong account. They don’t charge interest, they understood it was genuine error Reviewed on: 1st January 2019

Top drawer

Easy to use and website information packed. Allied to my favourite airline, a sure winner. Accepted everywhere with no issues, with payments allocated super quick. Carlsberg, don't do credit cards, BUT Reviewed on: 1st January 2019

Excellent Service

Have used Virgin for years and they continue to impress Reviewed on: 1st January 2019

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