Virgin Credit Card Reviews

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Virgin Credit Card
1.1 stars
Average rating for this product is: 1.1 out of 5

From 3 ratings and 76 reviews

Thumb down 16% of users recommend this product

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Virgin Credit Card0.00%3 months16 months 2.98% or £3.00 fee3 months16.60%
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%

Average Ratings for Virgin Credit Card

  • Customer service1.3 stars
  • Value for Money1.2 stars
  • Reviewer Ratings1 stars
  • Overall Rating1.1 stars

76 Reviews For Virgin Credit Card

  • Guest 17th Nov 2009

    Reviewer rating: 1 stars


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    Really embarrassed I got caught out but hoping this review may stop others. Only took out the virgin credit card recently had interest free on purchases until Sept statement and decided to transfer £2500.00 cash interest free until June 2010. Got my Sept statement and paid £2400.00 which covered all outstanding purchases leaving only my interest free cash transfer...WRONG the interest free period for purchases ran out the day before my statement date so my payment of £2400.00 was allocated to the lowest interest rate..ie the one free until 2010 and I'm now paying interest on the £2300.00 I thought was interest free. Well just paid off balance and will learn by a rather expensive mistake. Be warned read the small print.

  • Guest 8th Oct 2009

    Reviewer rating: 1 stars


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    Yep - I am one of the people who have received a letter saying I will no longer be on 15.9 percent when I finish my 0 percent period, I am now going to be paying over 24 percent.......Amazing that credit card companies can get away with this. To be honest I hadn't planned to spend on the card anyway so will be calling them up to keep the 15.9, but plan to pay off before they make any money out of me. I have had other MBNA cards and never had a letter telling my interest is going up 10 percent, ...

  • Guest 27th Aug 2009

    Reviewer rating: 1 stars


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    Anyone with any sense will stay away from this virgin credit card, i too have been one of the unlucky ones who have gone from 0% to 33% on a card i am in the middle of paying mine off and never again will i fall for this. they keep giving you good deals until you have used your card lots then they surprise you with the new %

  • Guest 24th Aug 2009

    Reviewer rating: 2 stars


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    I've had a virgin credit card for a couple of years now and initially I used it for the 0% interest. Everything set up nicely and transferred my balance great! I set up a DD for a fixed amount to overpay minimum balance. They were very quick to charge me a £12 late payment fee when my minumum payment went up my 20p! I rang up (finding the correct phone number was difficult as its not on the statements!) and they agreed to repay me the default sum Yeah! I asked to set my DD to the minimum a ...

  • reviewkitten Rank: Lieutenant-Colonel 11th Aug 2009

    Reviewer rating: 4 stars


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    I took out a Virgin Credit Card purely to pay for my rail season ticket and to have the option for paying as some companies will only accept credit cards. There was an introductory offer of 9 months interest free on balance transfers and purchases which meant I could spread the cost of my train ticket over 9 months and save myself both interest and get the cheaper ticket option.

    Application online was easy and pain free and I got my decision later that day via email. My shiny new red Virgin cre ...

  • Guest 6th Aug 2009

    Reviewer rating: 1 stars


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    Virgin were really efficient when signing me up and charging me transfer fees...but then when I asked for their help to resolve an error which was costing me considerably they quickly became very unhelpful.
    They have proved themselves to be no better than other credit companies...quick to make money from you but even quicker to make more given the opportunity.

  • Guest 29th Jul 2009

    Reviewer rating: 1 stars


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    I was paying amounts off my virgin credit card every 2 to 3 weeks. They still tried to hit me with a default payment. I got the refund and told it would not happen again. The next payment date was going to be 15th of August after the 15th of July. I paid an amount on the 16th of July. £1000. I then paid another £500 on the 24th of july. I then log into my account on the 29th of JUly and it tells me I have till 15th of August to pay a minimum amount. They suggest 5 days prior, thus I ...

  • forrozza Rank: Corporal 26th Jul 2009

    Reviewer rating: 1 stars


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    Took out a virgin moey credit card over a year ago, purely as a 0% deal and transfer from my paypal credit card. This card is actually a MBNA card and sadly that is where the problem lies. Virgin, or actually MBNA, insist in sending me UNSOLICITED CREDIT CARD CHEQUES, folk may be aware of the recent governmental changes to the way these cheques are issued, in particular the preasure on the card holder to stay out of debt. These cheques also contain all the details a credit card scammer needs to ...

  • Guest 20th Jul 2009

    Reviewer rating: 1 stars


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    Rubbish rubbish customer service, no matter when you phone you are left on hold for 40 minutes, every time it's 40 minutes and then you either get cut off or someone answers but mostly they never do, everytime there is a problem you know you have to ring them and you dread it because of this, the phone bill is huge and with your money you want to be able to speak to someone whenever you feel the need arises, Virgin make this impossible! We also found out we were paying for card protection for th ...

  • Guest 20th Jul 2009

    Reviewer rating: 1 stars


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    Absolutly would not use Virgin Credit Cardagain! wanted to pay off my balance and it took my 25 mins waiting on hold on the phone! I thought i would see how long it took them to answer my call if i rang the application 'hotline' or the 'transfer payment to your account line' and surprise surprise they answer them straight away!

  • Guest 1st Jul 2009

    Reviewer rating: 0.5 stars


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    Absolutely and totally ruthless when it comes to profit. Assuming the Virgin brand means anything the antics of their credit card department will hopefully drive it into the dirt. Have a perfect payment history with them for over 6 years and have just received a letter from them telling me that my interest rate is going up from 16% to 34%. I can stay on 16% but I must never use the card again, just pay my balance off!

  • Guest 17th Jun 2009

    Reviewer rating: 0 stars


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    When setting up my card I was harrassed by customer services trying to sell me more products, insulting my intelligence and treating me like I was irresponsible. Also, I pay 10 times minimum payment each month as soon as I get paid, yet because this isn't paid within the 15 days between statement date and payment date, I am charged £12 fee and have my 0% intrerest taken off me. Customer Services are extrenely rude, unhelpful and unsympathetic - they just say 'You signed up to terms and co ...

  • Zaitch Rank: Sergeant 3rd Jun 2009

    Reviewer rating: 1 stars


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    Largely the same as other comments here - missed payment date by 1 day due to being away on holiday (pay by internet transfer rather than direct debit) and had 0% pulled and £12 fee. This was compounded the following month by timing and misunderstnading the amount they wanted paying (arrears + that month + penalty) and therefore getting another penalty.

    I shut down my Virgin credit card shortly after that (although they took some persuading). I was so annoyed I transferred the balance to ...

  • Guest 1st May 2009

    Reviewer rating: 0 stars


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    Paid my account by bank transfer which cleared one day late was charged a £12 fee, interest and my O% on purchases was cancelled. I phoned customer services who agreed to re-instate the 0%. I cannot understand why the payment took so long to clear as two other accounts I paid on the same day cleared the following day. Virgin say it is because they are not a clearing bank but neither are the other two - strange.I asked them to waiver the fee and interest as a goodwill gesture and they r ...

  • theangryhellcat Rank: Major 30th Apr 2009

    Reviewer rating: 3 stars


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    I took out the Virgin Credit Card as it currently has the longest 0% balance transfer period of 16 months.Everything was very simple about the set-up process and I received the card and details very promptly. The customer service staff were very good at the time of setting up the balance transfer.However, I set up a regular standing order from my bank to pay a set amount (a lot more than the minimum) but unfortunately Virgin set the monthly payment deadline to earlier than my payment was due to ...

  • Guest 22nd Apr 2009

    Reviewer rating: 0 stars


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    Everything was going well with Virgin Credit Card - I was paying off my debt then Virgin decide that they will introduce a minimum payment. This means that I'm nearly paying as much interest as I am paying off each month.Is is any wonder the economy is in such a state when companies like Virgin can get away with this sort of stuff?

  • bobpitbull 18th Apr 2009

    Reviewer rating: 0 stars


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    Virgin Credit Card increased my APR from 15.9% to 29.9% without telling me... though they claim to have sent a letter... then they tried to increase it further to 34.9% - this time giving me a chance to "opt out" if I promise never to use the card again...What's going on?!? In July 2008 I was on 15.9%... so they want to suddenly more than double that...?!?There should be laws against things like that.

  • dahbij Rank: Lance Corporal 11th Apr 2009

    Reviewer rating: 0 stars


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    I paid my Virgin Credit Card balance off early so on a zero balance was still charged £12 for cancelling my direct debit .
    I paid the £12 to a member of staff over the phone via my debit card, he told me he would close down the account and there would be no more charges to pay.
    Low and behold this morning another statement arrived with a balance of £13.52 interest charge.I believe this will be interest on the £12 however it totally contradicts one of their terms which ...

  • Guest 3rd Apr 2009

    Reviewer rating: 0 stars


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    I have found that if you're payment doesn't reach Virgin Credit Cards in time (3 or 4 days late, for example) you automatically get excessive phone calls from debt collection agencies demanding the payment that has already been made and thta has already left your acc days ago -outrageous ! Their response is it's a timing issue : my response to that is that that's not good enough..

  • jayde81 28th Feb 2009

    Reviewer rating: 2 stars


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    After my initial 0% interest rate with Virgin Credit Card finished I have received letters every 6 months telling me my interest rate is increasing up to 34.9%! After a phone call they drop it back down again. This week I received a new one. A letter telling me that my rate is increasing to 26.9%. They give you the option to "opt out" and keep your current ineterest rate, but if you choose to do this then they will stop all transactions on your account until you have cleared your account, at ...