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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (799 reviews)

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3.80

Based on 799 reviews, last reviewed 21st Aug 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Would 100% recommend Great experience and easy to use the app, when I’ve had to contact them it’s always been easy Reviewed on: 13th June 2025

Latest lowest rating:

1

This bank has one of the worst service out there. This bank has one of the worst service out there. We have banked with them for over 65 years. The credit card cancels transactions without notificatio... Read more Reviewed on: 21st August 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.

Virgin Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

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Virgin Money Credit cards reviews (799)

No Loyalty

Had my credit reduced without notice even thou I never been over my limit or been late and no where near my limit then you decide to cut my limit which I found out by using my app made a call then two days later get a letter and not much explanation. I normally use to book my annual holiday to the USA via virgin but by reducing my limit by more then half makes me near my limit which now doesn’t look good for me. Reviewed on: 20th December 2018

BEWARE THE SMALL PRINT. THEY DID NOT FORGIVE A SIMPLE ADMIN ERROR!!

There was an error in amending my direct debit details and subsequently a payment was missed. Every payment prior to and after that was on time and over the minimum amount. Sudden £70+ interest per month added to my monthly repayment because I had 'broken the terms of the agreement' No information given to me in the form of email or letter until I called their customer service department who said there was absolutely nothing they can do. I have requested a balance transfer to another card and will never use their credit card facility again. Shocking customer service. Reviewed on: 19th December 2018

Good but you need an iPhone app !

good card but you need an app everyone has an app now why don’t you Reviewed on: 19th December 2018

Perfect 0% credit card

All 100% perfect with regards to interest, period, paying back options. Reviewed on: 18th December 2018

Perfect credit card for me

Perfect limit. Easy to pay back. Love the 29 months. Love 0% interest on purchase. Reviewed on: 18th December 2018

great service and brilliant staff to help

appreciate all the help and advice given to me during my difficult times Reviewed on: 18th December 2018

Number 1 credit card in UK

Very good flexible offers . Very helpful staff on phone banking . Reviewed on: 18th December 2018

Easy and secure

Easy to use but with good security procedures. Reviewed on: 18th December 2018

Excellent!

Always get what i go online for and hassle free. Reviewed on: 18th December 2018

Straight forward

I wanted to transfer a credit card balance to a zero rate. The process was straight forward no nonsense, no pushy upselling- exactly what I wanted. Reviewed on: 17th December 2018

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