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Virgin Money: Credit Cards reviews

Name: Credit Cards
Rating: 3.96 (792 reviews)

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3.73

Based on 792 reviews, last reviewed 17th Apr 2025

500% 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.

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Virgin Money Credit Cards reviews (792)

Review of the Virgin Money, Credit Cards:

Make sure its memorable

When setting up account, as well as a Username you also need a password and pass number so make sure they are all memorable as it's quite a long procedure to change the information. Which is good security as one off codes also have to be entered, these are send to your mobile. Reviewed on: 28th January 2017

Good credit card for overseas trips

Good credit card for overseas trips as are not charged a fee for using the card overseas unlike other banks. Reviewed on: 31st May 2023

Simple, competitive

In the year I have used this credit card, I have encountered no problems or had any cause to contact the bank. The app is very easy to use and rates were competitive at the time of application. Recommend. Reviewed on: 31st May 2023

Easy to use app

Easy to do most things in the app and mine was a good travel and first credit card. Reviewed on: 31st May 2023

Credit Card limit decreased

Good Morning been on to Virgin so they know this is coming, Two weeks ago I took money out the credit card for my sons birthday, Not much to be honest but according to the team it highlighted critical activity on my CC so took my limit and decreased it by 6700, Spoke to an advisor who said sorry cannot do anything about it I need to contact virgin by post with an appeals letter, I am like you having a laugh, Never late with a payment never missed any paid more to keep limit down now shocked to have lost a limit due to taking money out at a ATM there is nothing in the terms and conditions dictating this, Disgusted by this Reviewed on: 26th May 2023

Transfer

İsim ile UPC numarasını Bildirriirseniz iyi olur Reviewed on: 15th May 2023

Great card - but phone line needs improvement.

I really like the card but I had to call them today. My word - there are numerous recorded messages. I reckon it took 6 or 7 minutes before I could speak to anyone. They then told me to call back because I got the security questions wrong! I'll do it another day I think. Reviewed on: 14th May 2023

Can't make payments

On 6th April, throughout the afternoon UK time, I have been trying to make a payment. Rejected for no reason. This is the fourth time I've had trouble paying this company (using that company's app on my phone) in the past few months. The first two times I had to ring up, remove a block, and try again. The third time (15th March) I asked them to add the company to the safe list, which they agreed. Payment still failed and went through the whole process again on the 16th, finally getting the payment through. Today, have tried seven times and been on the phone with the fraud department for an hour, passed from pillar to post. No one has any idea why the payment won't go through. IT IS TO AN EXTREMELY REPUTABLE FINANCIAL INSTITUTION, AN ESTABLISHED UK BRAND. There is no reason to have this much difficulty. Reviewed on: 6th April 2023

Choice of card and great APR

My application with Virgin money for my credit card was quick and simple, plus you get to choose a card design which makes it feel more personal! The APR on my card is great and it helps me balance my money each month whilst protecting my credit rating as payments are so easy to make as the App offers really great functionality Reviewed on: 6th April 2023

Reasonable credit

I like that they send alerts for new products Reviewed on: 5th April 2023

Easy to deal with and efficient

App is easy to use, staff are efficient and helpful. Sometimes the app can be slow with setting things up ie direct debit but otherwise great service Reviewed on: 5th April 2023

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