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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.85 (806 reviews)

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3.85

Based on 806 reviews, last reviewed 18th Apr 2026

50% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Excellent balance transfer rates Excellent balance transfer rates, got me out of a tough time without incurring additional interest Reviewed on: 18th April 2026

Latest lowest rating:

1

Ignore formal complaints and SAR I raised a formal complaint and despite replying several times and requesting a SAR they have ignored me. Astonishing isn't it. What is crazy is that ... Read more Reviewed on: 16th April 2026

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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 (806)

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

Excellent service staff & efficient

Virgin have been excellent and although switched to them and now not internet free they have never let me down when I needed the security of a card abroad or at home and customer service, the app and speaking with them, I can’t fault them. Reviewed on: 2nd June 2023

Awesome

Just very easy to set up and keeps you informed all the way . Reviewed on: 1st June 2023

Better than most

Recently transferred a balance to a Virgin Credit Card and was impressed with the 0% interest term as well as the minimum payment requirements. Reviewed on: 1st June 2023

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

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