Virgin Credit Card Reviews
Latest Reviews
★☆☆☆☆
“WORST company ever!!!!READ CAREFULLY!”
Written on: 08/05/2013
Virgin is by far the worst credit card company i have ever used!paid using faster payment online which is instant...apparently with virgin if you pay after noon it is not processed till the following day!which the dont tell you until you have a £12 late payment fee.So apperently your money is floating in thin air between your account and theirs?!DONT THINK SO.Infuriating!Dont expext a nice helpfull team member when you phone either!On hold for over and hour and get treated with sarcasm and... (read more)
★☆☆☆☆
“Rubbish company, Rubbish service, stay away”
Written on: 19/03/2013
Got 0% transfer from these clowns, asked me to setup monthly minimum payment which they ended up making an error and sent the payment back to my own bank, called customer services, unhelpful, didn't care what had happened and blaming other departments. They refused to fix the issue and when asked to escalate the issue they said no one was available to take the call and I have to wait 24/48 hrs before anyone will look at the issue and call back, the customer service agent had the cheek to... (read more)
★☆☆☆☆
“0% Balance Tranfers - Dont Bother!”
Written on: 27/02/2013 by outofmybox
After carrying out a balance transfer (BT) and paying 3.5% for the privilege, I was not informed on time regarding the payment due by date! This caused the BT to revert back to its standard rate. I complained and they (as a gesture of good will) offered me 4.9%, I complained again and reminded them that I have never missed or made a late payment since opening the account 10 years ago, but they would not budge! My account was still showing 0% on transfers to a bank account but with a 4%... (read more)
★☆☆☆☆
“Unable to set up Direct Debit until after first payment”
Written on: 15/02/2013
I set up the card as a 0% balance transfer with a view to set up a debit so that the balance would be paid by the end of term. The online system would not set up the debit so after several attempts I tried to call Virgin but was unable to get through. By this time I had missed the first payment. Admittedly I did not monitor it thereafter until my annual paper statement told me I had paid loads of interest. I telephoned Virgin, did they care, did they hell ... (read more)
★☆☆☆☆
“0% interest withdrawn for missing minimum payment by 3...”
Written on: 17/12/2012 by MRamsden (1 review written)
They don't advertise that your right to 0% interest on first 12 months is withdrawn if you are late with your minimum payment and interest is then chargable on the whole balance each month. They also add a penalty of £12. Is that the kind of practice you expect from loan sharks? (read more)
★☆☆☆☆
“0% withdrawn for 1 day late payment ”
Written on: 22/11/2012
I have paid over the minimum payment every month however this month they have received the payment 1 day late. Charged £12 and 0% withdrawn even though this still has until August 2013 to run. Will now be transferring to another card as I am so annoyed they will not be receiving a penny in interest off me. (read more)
★☆☆☆☆
“they wont remove dmp of your account even when you...”
Written on: 09/10/2012
they wont remove dmp of your account even when you dont have 1 no more this is wrong (read more)
★☆☆☆☆
“Uncaring, heartless and do not deserve anyone as a...”
Written on: 18/08/2012
Beware Virgin Credit Card. Any genuine mistake or late payment from the customer is met with instant removal of low interest rate and charges with a complete refusal to re-instate after rapid payments to resolve the situation once it comes to light. True, they CAN do this in the Terms and Conditions - but surely they wish to have a long term relationship with the customer rather than hit them hard at any small issue that could be resolved quickly. Ringing the customer service or complaints... (read more)
Pixieboy11's Comment
Written on: 14/09/2012
Agreed . I cancelled my DD in error then paid one day late and lost the 0% deal.
Customer services say they cant undo it . Im seriously considering paying off a/c and withdrwaing Virgin ISA and moving from Virgin Media to Sky
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Darren01302's Comment
Written on: 09/10/2012
true and they will not remove your account of a dmp when you dont have one no more ,their just after to your money
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★☆☆☆☆
“NOT A CONSIDERATE CREDIT CARD COMPANY”
Written on: 15/06/2012
I took my virgin mbna card and paid my monthly payments without any trouble. I lost my job and became pregnant and was not able to work due to health issues. I called up virgin customer service to seek some assistance as my interest charge was £97.00 per month which was impossible for me due to my circumstances. The customer service rep did not have a gratitude to my situation and even more worried even explanining that i am 7 months pregnant and did not have any income but i will be able... (read more)
★★☆☆☆
“Virgin Credit card need to step up their game”
Written on: 10/05/2012 by sammy12 (1 review written)
I have been a client of virgin credit card for about 6 or more years. I took the card as they were one of the first, I think, to offer no card charges which is a must in my book (no swipe or yearly charges). But now other credit card companies are following suit and this leaves Virgin credit card not offering anything extra. The interest rate is about 20% which is not low and the service is pretty bad. I want to stay with Virgin as I like them as a company but this is becoming... (read more)
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Showing 1 - 10 of 159 Reviews
★☆☆☆☆
★☆☆☆☆
“Shocking all round!”
Written on: 02/05/2012 by Millytain2 (1 review written)
Yep.. they led me in on a 0% balance transer and all was rosey. Then hey presto due to a few personal issues I could not pay the balance off so guess what they hiked my rate to 34.9%! When I queried this they told me I had received notification and did have an option a month ago to close the account. I have to say that this was rubbish as who in their right minds would accept this type of APR? My credit rating is good and I even re-checked as they told me it was down to the feedback they had... (read more)
★☆☆☆☆
“APR nuch too high and useless customer service”
Written on: 24/04/2012
Started this Virgin MBNA credit card at a 'normal' 17.9% APR and then during the recession they upped the percentage to 35.7% APR within a year. Just last months they more than doubled my allowance and even though my credit rating is good - no sign of lowering APR again (and I never defaulted or such). Greed? Furthermore I prefer to pay back my outstanding balance in cash at times, but since they bank with Co-operative Bank (not many branches of that one anywhere near me)and my personal bank... (read more)
★☆☆☆☆
“What a Rip off!!!!”
Written on: 21/04/2012
I have always paid on time, I was trying to make payment online, but there was some problem with their website, I then called to make the payment and I got told that I will get charged the late payment fee even though I was making payment on the last date of payment. I got charged £12 interest on my next statement, I also got charged extra £3.50 next month, even though I made the payment on the same day. Also, for my next purchase, I didn't even get a month to pay, it appeared on my this... (read more)
★☆☆☆☆
“Suspended Account without notifying me.”
Written on: 10/04/2012 by venturoboy
On hold for 25 minutes and still not spoken to anyone that has a clue. They suspended my card due to fraud reasons but as yet nobody has been able to tell me why - let alone sort anything out. They suspended it 2 weeks ago but have not even attempted to notify me, I only found out when I went to use it which is embarrassing as I have been a model customer always paid on time. (read more)
★★★☆☆
“THEY DID WHAT!!!”
Written on: 26/02/2012 by peajam (3 reviews written)
Took out a credit card with Virgin because they offered 0% on balance transfers, set up card and direct debit. Card was paid off at end of 0% period apart from £45, so I phoned up to pay the balance and cancelled my card. Logging on to the website a week later to find out the balance is still outstanding. Upon ringing to find out what has happened, was told "I don't want to alarm you but..". It turns out that whoever I spoke to to get my balance paid off has paid MY money off SOMEONE... (read more)
★☆☆☆☆
“don't go anywhere near...”
Written on: 13/02/2012
This company penalised me for late payments on that same day i made payments for about six months until i cancelled the card. I've boycotted every Virgin product ever since! (read more)
Guest's Comment
Written on: 03/03/2012
Same thing happened to me. I rang up and complained and got my money back but that's not the point. Check out the interest rates - daylight robbery.
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★☆☆☆☆
“Suck you in with great promotional rates and then hit you”
Written on: 04/11/2011
I have had my Virgin card for a couple of years. They gave me a £15,000 credit limit and I have never had a balance of more than £3000 and always paid by Direct Debit on the due date. When I first signed up I had a zero percent balance transfer which I took advantage of. I then cleared the balance in full at the end of the zero percent period. My interest rate was then 16%, which is fairly typical of credit card rates. I continued to use the card and pay on time. Virgin then started to... (read more)
★★☆☆☆
“0%, don't make a late payment!”
Written on: 26/10/2011 by Garethmoyle (1 review written)
I recently made a late payment on my Virgin Credit Card by one day! I got a late payment fee of £12, but more importantly, I lost my offer of 0% on balance transfers until April 2012! I phoned up an 0870 number! It's a pain, as the first part is voice recognition! I got through to a lady, who verified all my details and I told her my problem (stating that this was my first missed payment and also have other services with them, which I would cancel if nothing got done!). She told me there... (read more)
★☆☆☆☆
“Avoid avoid avoid rip off”
Written on: 19/10/2011
hiked up interest rates without warning - even though I have always paid on time- extortionate!!!! Squeezing loyal customers to the hilt at this difficult time in disgraceful!!!! Desperate or not - do not use if at all possible, go to a company that is decent. (read more)
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Showing 11 - 20 of 159 Reviews
★☆☆☆☆
“0% rate then try everything to make sure you pay the...”
Written on: 21/07/2011
If I could give zero stars I would. They have very stringent T&C's that allow them to stop the 0% offered and then charge the full exorbitant high rates. When complained about they just stick to the scrip and do nothing. Closed the account as soon as I could and would recommend everybody avoid them like the plague (read more)
★☆☆☆☆
“Agree with other reviews - avoid Virgin/MBNA credit...”
Written on: 14/05/2011
Agree with other reviews - avoid Virgin/MBNA credit card at all costs. Customer service rubbish - when you do actually manage to speak to a human they are very patronising and unhelpful. Always pay on receipt of statement - Twice in 6 month period they didn't arrive and was charged £12 late payment charge - after much arguing refunded 1st charge but refused to 2nd time only allowed to refund once in 12 month period. How are you supposed to know what to pay if you don't receive the... (read more)
★☆☆☆☆
“I got a card to pay for some building work on a...”
Written on: 05/05/2011
I got a card to pay for some building work on a balance transfer.I did not purchase any thing new on the card after the initial amount and paid min payment each month. They have just increased the min payment so I now have to pay an extra £159 !!! - as they have changed their terms by increasing the amount of min payment. There is nothing I can do!! Asked if I could keep to original contract and told no and that if I reduced mypayment it would effect my credit rating - which is GOOD. DO NOT... (read more)
★☆☆☆☆
“I just find the call centre incredibly patronising. ...”
Written on: 08/04/2011 by gilliana (1 review written)
I just find the call centre incredibly patronising. I took out the card for a one-off purchase on 0% interest so I don't even use the card but have endless trouble with it through lack of proper communication. I will pay it off before the end of the 0% period just to get shot, cut the card into little pieces and send it back to them. (read more)
★☆☆☆☆
“Virgin MBNA - Absolutely appauling. I have just made...”
Written on: 02/04/2011
Virgin MBNA - Absolutely appauling. I have just made an official complaint and if that doesn't do any good I will be approaching the financial ombudsman and I would urge other customers to do the same. They can't keep getting away with this. Their customer service is non existent. Like other reviwers have reported, they entice you in with brillaint offers but then make it as difficult as possible for you to manage your account and then penalise you to the max when things go wrong with late... (read more)
Gilliana's Comment
Written on: 08/04/2011
Absolutely bang on the money. They make it as hard as possible to manage your account then screw you.
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★☆☆☆☆
“Terrible customer service, charged late fees despite...”
Written on: 21/03/2011
Terrible customer service, charged late fees despite paying on time, will never use them again. Pity I can't give zero rating. (read more)
★☆☆☆☆
“Avoid Virgin Credit card, MBNA credit card, American...”
Written on: 17/03/2011
Avoid Virgin Credit card, MBNA credit card, American Express like the plague. We were cold called by someone from MBNA (never mentioned anything about American Express), selling us a Virgin Credit card to get air miles. He told us we could use the card for our Waitrose / Ocado food shopping to get air miles. You can't, you go through to a differnet web account.
More worryingly loads of retailers refuse to take American Express so you can't get your air miles. The whole thing about a reward...
(read more)
★☆☆☆☆
“Virgin Credit Cards accidentally amalgamated my...”
Written on: 04/03/2011
Virgin Credit Cards accidentally amalgamated my account and an account of another Australian with the same first and last names (different middle name), charging me a $500 balance transfer that wasn't mine.
I called them up, they said I had to contact the bank of the other woman. The other bank involved couldn't give me any information as I wasn't the 'other' me and the security questions weren't cleared. I called Virgin back and they referred it to the fraud group. They told me that the...
(read more)
★☆☆☆☆
“If i could have given this card 0 stars i would have....”
Written on: 25/02/2011
If i could have given this card 0 stars i would have. I have been hit with late charges twice now even when i've paid in plenty of time, when you complain their customer service team won't listen and just read off of the script they've been given. I've just cancelled my card and told them it's because they are awful and even then they still tried to persuade me to stay with them! (read more)
★☆☆☆☆
“can not put into words this company should be shut...”
Written on: 24/02/2011
can not put into words this company should be shut down they do everything to make it hard for us to pay bills i have even sent payments 2 weeks early and still charged late payment charges do not like the company at all avoid if possible this is why the uk is in such a mesh because uk goverment lets them get away with it (read more)
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Showing 21 - 30 of 159 Reviews
★☆☆☆☆
“Virgin credit cards? Extremely rapacious and user...”
Written on: 21/02/2011
Virgin credit cards? Extremely rapacious and user unfriendly service. They entice you in with 0% and then don't facilitate a direct debit, so that they can then penalise you for a late payment, but then cancel the 0% and following their small print, charge you a max rate of interest which will run until you happen to notice it,whilst bathing in the illusion that you are servicing the account and getting 0%. On complaining, after listening to interminable cr*p on the phone line you will... (read more)
★☆☆☆☆
“This card and its online, paperless statement system,...”
Written on: 14/02/2011
This card and its online, paperless statement system, is designed to catch out the very people it looks to attract. A 0% interest deal is usually chosen by someone looking to transfer a balance they want to/need to effectively forget about for a while and the option of a min. repayment is attractive. Unfortunately, the way it is set up is designed only to work for those with the time and inclination to interrogate the small print (something you don't feel the need to do when you've the... (read more)
★☆☆☆☆
“Don't bother with this card they'll end up fleecing...”
Written on: 27/01/2011
Don't bother with this card they'll end up fleecing you. Virgin Cards are managed by the worst company in th eworld for customer service MBNA which effectively BAnk of america, I had the experience of my life with this card and virgin don't give a S*** get rid of MBNA Richard Branson, they are con merchants. (read more)
★☆☆☆☆
“Similar story as everyone else, they texted me the...”
Written on: 21/01/2011
Similar story as everyone else, they texted me the first month to remind me of payment date, thought thats great, next month didn't get text and as it was over new year I forgot. Then checked my account and realised I have been charged £12 late fee and £37 interest. Phoned to complain and got told that its not their job to remind you to pay. Managed to get my interest free reinstated but they would not refund my charges. As soon as I can I am moving to another card.
Rude customer service and...
(read more)
★☆☆☆☆
“Rubbish. Got the card to transfer a balance in May....”
Written on: 08/01/2011
Rubbish. Got the card to transfer a balance in May. There was a delay in setting up the direct debit and a part payment of £32 was missed. I wasn't informed about this and merrily left the DD to maintain payments of the minimum amount. However this £32 pound was left unpaid and i was charged £12/month for the outstanding amount. Thats £72 pound worth of charges for £32 pound outstanding amount. On top of that I lost the 0% on my transfers.
Nothing from them to notify me of these charges and...
(read more)
★☆☆☆☆
“Have had my card for almost 2 years have always paid...”
Written on: 22/12/2010
Have had my card for almost 2 years have always paid on time. Paid my last payment via internet on 1st December - due date was 4th December. Got hit with a late payment (have statement from current account to prove this) they also revoked my interest free allowance on purchaes so were not only charging me £12 fee also charging £35 interest!! This is a con - DO NOT USE this card. Have now transfered my balance to a more reputable provider. (read more)
★☆☆☆☆
“What a con, late payment by 1 day. Lost 0% deal. Tried...”
Written on: 25/11/2010
What a con, late payment by 1 day. Lost 0% deal. Tried to explain that this was a one off and to give me second chance. No chance. Well im going to transfer again and cancel all my virgin media products. Two can play at this punishment game.Sky it is then. Avoid. (read more)
★☆☆☆☆
“Rip Off... I am going to cancel anything I have...”
Written on: 27/10/2010
Rip Off... I am going to cancel anything I have related to Virgin. (read more)
★★☆☆☆
“I agree with this. There is no real explanation for...”
Written on: 10/10/2010
I agree with this. There is no real explanation for this huge increase in interest. I will phone them to 'opt out' of this. Their words. I don't know any other company to do this. Their statements were always so late, I had to pay by return first class, and was given a silly explanation when I complained. Not a recommended service. I fell for their long-term interest free rate and now regret it. (read more)
★☆☆☆☆
“Without doubt the worst credit card in the world. ”
Written on: 09/10/2010
Without doubt the worst credit card in the world.
As soon as the 0% balance transfer period finished (on a balance of £4,000), the rate was set at 16%, which I don't have a problem with.
What I do have a problem with is the rate then increasing just 4 months later to 24%. A month after that I got a letter telling me they were going to increase my rate further to 31% The only way to stop this was to ask them to suspend the card, which I have.
I continue to pay by direct debit at 24%, at...
(read more)
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Showing 31 - 40 of 159 Reviews
★☆☆☆☆
“DO NOT USE THIS CREDIT CARD UNDER ANY CIRCUMSTANCES,...”
Written on: 08/10/2010
DO NOT USE THIS CREDIT CARD UNDER ANY CIRCUMSTANCES, UNLESS YOU WANT TO BE SLAPPED WITH LATE PAYMENTS AND INTEREST RATES UNFAIRLY.BE WARNED (read more)
★☆☆☆☆
“I used Virgin to transfer a balance from another card....”
Written on: 02/10/2010 by cherry1979 (1 review written)
I used Virgin to transfer a balance from another card. Thought the 0% interest was a good deal so paid the transfer fee. Payments were all on time until one month I didn't receive my statement. When I realised, I made the payment asap online. Unfortunately it was 2 days late, and they slapped on the late payment charge, interest and it changed to 18% interest. I contacted them, told them I'd had no statement, and they asked if I'd like one sent - for an extra charge?? Very unhelpful,... (read more)
★☆☆☆☆
“I have had an account with Virgin for a few years,...”
Written on: 16/09/2010
I have had an account with Virgin for a few years, unfortunatley I fell into financial difficulty and fell behind on the payments. At all times I kept Virgin/MBNA informed of my circumstances and told them how much I was able to pay. I think at most I was 2 months behind. Once I got back on my feet I contacted them to start taking additional payments to repay the arrears on the account. The payments were then pre-agreed payments by my debit card on my pay day. Even with this in place I... (read more)
★☆☆☆☆
“Don't be taken in by Virgin's 0% deal. They will lull...”
Written on: 31/08/2010
Don't be taken in by Virgin's 0% deal. They will lull you into a false sense of security by making the payment date the same each month for several months and then change it and catch you out so you lose the 0% deal. A bunch of charlatons!!!! (read more)
★☆☆☆☆
“DONT USE THIS CREDIT CARD COMPANY!!!!!! I took out a...”
Written on: 28/08/2010
DONT USE THIS CREDIT CARD COMPANY!!!!!! I took out a card for the 0% balance transfer and made my payments on time each month by cheque even thought by the time you get your statement its virtually time to send the cheque. However this month despite allowing plenty of time for the cheque to arrive I received my statement to find I had been charged a late payment fee of £12, interest at 18% for the whole month, and my 0% has been withdrawn. On phoning the customer services was told my... (read more)
★☆☆☆☆
“MBNA/Virgin Credit Card run by bunch of crooks just...”
Written on: 15/08/2010
MBNA/Virgin Credit Card run by bunch of crooks just out to lull you in then bite you at the first chance!Took advantage of 0% balance transfer offer in Oct 09 and paid off large amounts each month on time. I manage the account on line and was meticulous about paying on time given the T&Cs of the promotional offer. August statement said I was late so charged default payment and interest as well as card reverting to standard rate - THEIR reasoning - apparently it takes 3 working days for a... (read more)
★☆☆☆☆
“Beware this card can change its rate at any time, mine...”
Written on: 04/08/2010
Beware this card can change its rate at any time, mine went from 16% to 24.9.. The only way to stop this happening is to cancel card. (read more)
★★☆☆☆
“Opened account 6 months ago, made each payment on...”
Written on: 15/07/2010
Opened account 6 months ago, made each payment on time, and then one month didn't receive a statement and they slap a penal rate and interest and stop the promotional offer. Not what I expect though I know it's in their T&Cs. Given the debt is only some £3k and good earner, they've lost a customer as I have no layalty to them. So gonna be moving my balance elsewhere. Recommend you set up a DD if you use Virgin so you don't get caught out. (read more)
Elainekashmir's Comment
Written on: 16/07/2010
I couldnt agree more with this review. I made my payment to my account on a week day how stupid of me to think that internet banking would be the fastest option to make my monthly payment. I ended up paying a huge interest payment as they took me off my zero% interst rate and hiked it up to 18%. My advice to others who pay by the net is to makeyour payment at least a week before the payment becomes due or you to couldend up being caught out and stung. As for myself I shall definately lookingto transfer my balance elsewhere.
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★☆☆☆☆
“I took out the zero percent deal and thought it looked...”
Written on: 15/07/2010
I took out the zero percent deal and thought it looked very good ,had top hits on the internet for the best and longest deal. I thought that the idea was you paid what u wanted to till the offer ran out then if u had not cleared then it would revert to the standard rate .I had no statement or any contact until some rude gentleman phoned me to tell me i was late with a payment and can i pay with my card.I said of sorry ,yean no prob i paid 100 pounds off and thought that was the end of it... (read more)
★☆☆☆☆
“Virgin Credit Cards run by those sharks at MBNA is a...”
Written on: 08/07/2010
Virgin Credit Cards run by those sharks at MBNA is a dreadful, dreadful con trick. I took up the 0% balance transfer offer for which they charged an acceptable 3% fee. I was one day late on a payment which triggered a default and the deal reverted to their standard APR interest bearing card at 18% - with one year left to run. What a carry on! The tools as the MBNA card centre were unhelpful and ignorant. Sadly I have had to give these sharks one star as the system wont allow anything else.... (read more)
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Showing 41 - 50 of 159 Reviews
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Mrshol's Response to MRamsden's Review
Written on: 21/12/2012
Get a new card and transfer over to get 0% interest again.
By the way don't pay your Virgin card between the 22nd of one month and 3rd of the next month (when the statement is issued) as it doesn't count as payment for the next month they say it is an extra payment on the previous month ie. payments after 22nd up to the 3rd. I've been slugged £12 penalty fee for late payment because their calendar month for payments is 3rd to the 22nd and I paid outside those dates!!!