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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (792 reviews)

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3.74

Based on 792 reviews, last reviewed 17th Apr 2025

150% 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

The staff are absolutely fantastic they are helpful,... The staff are absolutely fantastic they are helpful,will come and ask if you are okay and can they help in anyway. Reviewed on: 17th April 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 (792)

Review of the Virgin Money, Credit Cards:

Excellent services.

No delay, no unnecessary questions. I like them. Jaroslav Reviewed on: 14th December 2018

Never Use the Useless Thing

They gave me a £5,200 and I was thrilled. Initially tried to buy a laptop with it and was denied. Constantly. Consistently. Aggravatingly... every time. I made multiple calls and was told it was working now... no, it wasn't. I stopped trying to use it. Recently, I received an e-mail offering 0% on balance transfers for a year with a 4% fee. Fine, I'll transfer the balance for the laptop back to this card, right? No, I went through the tedious process several time, changing my password when it told me THAT was now wrong. Putting in the same info time and time again. That was last week, tried again just now. It started by telling me the password was wrong again. Get this card for a high credit limit... that you can NEVER bloody use. Completely useless. Reviewed on: 5th October 2023

Best credit card customer service

Absolutely fantastic customer service. No long queues to speak to a human. Their advisor was helpful, understanding, and courteous. Shewent over and above to ensure my forgetting to renew my cardcwas handled without fuss. Unlike other companies who have made me start from scratch, (treating me like someone who has never been a 20yr customer) despite good credit Well done Virgin, all banking should be like this Reviewed on: 22nd September 2023

Disappointed

Such a worse service provider, I used virgin money credit card and when I realise unexpected charges cut from my card I tried to complaint to virgin money after freezing my card and everyday I called an after an hour waiting no one resolve my issue and they keep charging me the amount which I don’t even used, i won’t go this services and never recommend to anyone to use this services Reviewed on: 16th September 2023

Virgin Atlantic Credit Card: A Masterclass in Frustration

I’ve had a Virgin Atlantic credit card for a decade. I spend about £10k a month on it. No more. Today I quit. Reviewed on: 14th September 2023

fraud department don't care

I've had fraud committed on my virgin credit card, called 3 times and waited over 3.5 hours in total over the 3 calls. They still can't resolve it and are still charging me for transactions I didn't perform. Horrific customer service. Avoid virgin money!! Reviewed on: 8th September 2023

Good company

Very good customer service and good company all around Reviewed on: 31st August 2023

Thumbs up

Easy application, minimum payments manageable easy to contact and use card anywhere. Reviewed on: 25th August 2023

Awful customer experience and paper-based beurcracy

LONG STORY SHORT: The call centre staff are not well trained, they are not equipped to do anything over the phone. You can sign-up online without any unusual ID checks. If you then want to do anything. You need to be prepared to do it by post, sending originals, or officially verified copies. ITS 2023, why is it so hard!!? LONG STORY: They have an incorrect DoB for me. As requested I went to a Virgin Money store, where I then had to sign and post a copy of my ID. 2 weeks later, its not updated. My wife has called for a new PIN as an additional cardholder. Told the agent she would fail as my DoB is wrong, they said its fine, fail security, call back get to a higher level and they'll fix it. She failed security, when she phoned back, they have blocked my account and my card. The only way to fix it now is to verify a copy of my passport, send an original proof of address by post and they'll unblock the account (which is yet to work for changing my DoB, I have no faith). The call centre staff don't know what to say but "sorry, its the company policy" on repeat. If I didn't want the Virgin Miles I would just leave it blocked and walk away! Reviewed on: 14th August 2023

Do not be won by airmiles they are not worth the horrid customer service

Everything has to be done on the app - if it doesn't work you can't make a payment - customer service is phone holding for min 30 mins max has been 2 hours - just not worth it rates are insane also. Reviewed on: 24th July 2023

Weak Security, Shambolic Customer Services

I have endured a terrible experience with Virgin Money. Their weak security allowed my account to be hacked. Despite my immediate attempt to inform them, they provided terrible customer service. Even to the point of refusing to provide statements or even allow me to close the account. Reviewed on: 18th July 2023

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