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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (785 reviews)

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3.72

Based on 785 reviews, last reviewed 27th Jan 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

64%

11%

19%

Latest highest rating:

5

Virgin Money Credit Card Clear guidance and easy to use app. Very good terms and good transfer rates and 0% interest period. I would definitely use Virgin Money again. Helpful... Read more Reviewed on: 27th January 2025

Latest lowest rating:

1

If you have a credit card and an an app but are lock... If you have a credit card and an an app but are locked out of your account they are not open 24/7 to unlock your app, not even on a Sunday. If u are i... Read more Reviewed on: 5th January 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 (785)

Review of the Virgin Money, Credit Cards:

100year old orangutan lost in space

i got the card downloaded the app but my phone is too old to see my pin . Was told 5 weeks ago I would get a form to fill in to get the PIN still waiting impossible to find the right option on the phone and 1 hour waiting time. Send me a form . Reviewed on: 10th August 2022

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

Virgin Atlantic credit card

Great credit cards for air miles better than BA Amex Reviewed on: 26th June 2023

Quick, easy and to use

great service, good apps, easy to use, modern options, and good value overall. Reviewed on: 15th June 2023

The wrost bank and customer service ever!

The worst customer service ever. Real-time waisters! To get through to customer service you have to wait for at least 30 min on the phone (!) and then they can't help you with anything. I was misled for a month calling them several times and was given different answers every single time just to at the end find out that they can't actually help me. Have they told me that with my first call, I would have switched straight away to a different bank, not wasting weeks! The whole thing seemed very suspicious - like they were changing their internal rules while having these conversations with me. The wost bank I came across in the UK so far! Reviewed on: 15th June 2023

Application for 2nd card ridiculously bureaucratic

Opened account as I fly to USA regularly and so wanted to collect points for flights. Needed 2nd card for husband. We have been married for 20 years and lived at same address. Have joint cards with Amex and mortgage etc. on the electoral roll and both gave good credit ratings. They want you to send your passport and driving license or verified copy signed by civil servant, actuary etc. done all that despite time consuming and over the top. They didn’t need that info for me to open the card account for myself so why is it needed fir additional card holder? Now claim not good enough quality copy so need additional or original docs. 20 mins on phone to find this out. Done with it now. Not worth it. Taken off my Apple Pay and will stop using the account. Rubbish Reviewed on: 15th June 2023

Virtually impossible to cancel 'lost' card

Now been on the phone for over 30 minutes - just trying to cancel a lost card. Waiting for 'security' to answer the phone. Prevoius two operators were unable to help. Reviewed on: 11th June 2023

Very helpful with cost of living

Virgin Money has been very helpful with helping me to manage my money and providing useful resources. I had money troubles due to the cost of living and unfortunately I found it difficult to make repayments - however all staff was very useful and gave me a variety of options to make repayment easier Reviewed on: 2nd June 2023

Abysmal

Completed online closure of my account. Received an email saying it wasn't possible to do it as it had an outstanding balance EVEN though it was clearly showing NIL. Completed another form again yesterday and submitted it again online. I want confirmation so I did online chat... 53 people ahead of me waiting to be answered... As repeatedly quoted this is the quickest way to resolve your queries?!!!!!! Rang to speak to an adviser, I after several menus and 7 minutes later I was informed the quickest way to resolve my request was via the credit card app!! The call was then dropped. Increasingly frustrating.. WOULD NEVER RECOMMEND. Appalling the way customers are treated. Richard Branson... Please take note... Reviewed on: 2nd June 2023

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