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Virgin Money: Credit cards reviews

Name: Credit cards
Rating: 3.96 (801 reviews)

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3.85

Based on 800 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

63%

11%

20%

Latest highest rating:

5

Good product, good customer service Good product, good customer service Reviewed on: 22nd January 2026

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.

Virgin Money Credit cards reviews (801)

Review of the Virgin Money, Credit cards:

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

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

100 percent guarantee

Because i have confidence in them, it's because of the name that made me and my family to become one of the best virgin Atlantic customer Reviewed on: 3rd April 2023

Love, love, love

What I love about this credit card is my spending goes towards air miles which in turn gives me free flights. I’d be spending the money anyway so definitely would recommend Reviewed on: 20th March 2023

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