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| Customer service | 2.6/10   |
|---|---|
| Value for Money | 2.4/10 |
| Reviewer Rating | 2.1/10 |
| Overall Rating | 2.2/10 |
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Full review by
Helen12
on 9th Oct 2008
User Rating : 0
Respect :
0
Good Points: Any good points are ruined by all the bad points in my opinion
Bad Points: Blatant mistakes, This month October 2008 on my online statement the minimum payment clearly states £5.00, on my paper statement its in black and white that its £25.00 for the same month, I just paid the £25, not worth the risk of bank charges and nightmare battle trying to talk to overseas call centres,
General comments: I will close the account asap, I will stick to the more professional banks who do not have oversea call centres,
Helen12 's review and ratings | 87 words
Review by
Dave2008
on 10th Sep 2008
User Rating : 1
Respect :
0
Having opened up the credit card with the basic offer I noticed a creeping interest rate, with th end result that I eventually got a letter saying that they would be increasing the rate to 34%. I immediately rang up to pay off the balance, at which point they offered to reduce it. It appears that Virgins Modus Operandi is to see how much pain the customer will take and then reduce it accordingly when they decide to opt out. Interestingly enough they then charged me 12 pounds interest on a retu ...
Dave2008's full review | 176 words
Review by
alsmere
on 26th Aug 2008
User Rating : 1
Respect :
0
Having applied online for a Virgin credit card and requested balance transfers from other cards, Virgin set a credit limit lower than the ammounts they transferred. when I recieved the first statement I had an overlimit fee of £12 applied and this was the first time I had been informed of the credit limit. As I hadn't as yet used the card this was entirely virgins mistake the fee was duly recredited to the account. 2 months later my card had interest applied to it, as it was supposed to b ...
alsmere's full review | 186 words
Review by
keith1981
on 29th Jul 2008
User Rating : 0
Respect :
0
The interest rates on the Virgin Credit card seem extortionate and they have VERY poor customer service; after paying a large sum of my balance off, I was phoned up and asked "where did you get this money to pay off from sir?"! After which they said that "Due to your spending patterns we are reducing your limit to £500" (from £2000). What a really awful lender.
keith1981's full review | 69 words
Review by
Stephen Wilson
on 25th Jul 2008
User Rating : 0
Respect :
0
I sent my cheque for payment via first class mail five days before payment was due.
I felt that this was ample time to honour payment and not to incur an interest charge. However I was stunned to see a charge on my account for interest when I accessed my details online.
I phoned Virgin customer services and the response was that I was late in paying, which definitely was not true, unless Royal Mail first class deliveries are 'totally' inadequate. I advised Virgin that I was canceling my card and ...
Stephen Wilson's full review | 188 words
Review by
Guest.
on 21st Jul 2008
User Rating : 7
Respect :
0
Once I got through they refunded me all of the interest and late payments (around £800) and gave me the interest free period.
General muck-up on their part. Their system took the d/d details, but for some reason it kept the 1st ammount outstanding, this carried on for 7 months until I noticed.
Guest.'s full review | 68 words
Review by
Guest.
on 22nd May 2008
User Rating : 2
Respect :
0
After a year or so of absolutely fine service, then suddenly decided to hike my interest rate up from 14.9% to 26.4% over a period of six months. When I complained, I was told that the interest rates were at the discretion of Virgin, and could not be changed. Considering that new customers are being drawn in with a rate of 15.9%, with 0% on balance transfers and purchases as an introductory offer, I'm disgusted at how they treat customers who've been with them for a lot longer. I'm now transferr ...
Guest.'s full review | 113 words
Review by
Guest.
on 21st May 2008
User Rating : 2
Respect :
0
Having transferred two credit cards over to a Virgin Money card with a 0% interest period, I paid the first minimum payment before my due date and then about a week later paid more than twice the minimum payment I expected for the next statement to ensure I would not miss a payment. Despite this, Virgin charged me £12 in late fees + £22 interest and removed my interest free period. This is because unlike other cards, you can only make a 'minimum payment' between the statement date ...
Guest.'s full review | 140 words
Review by
Guest.
on 16th May 2008
User Rating : 1
Respect :
0
I 'closed' the account and destroyed the card over 18 months ago. After a couple of late payments, partly due to Virgin shifting due payment dates around, (I was paying by standing order an amount that should have been well over the minimum) whilst keeping statement dates the same, my monthly rate has been raised to 2.207%, an APR of over 34%. Complaints to Customer Service were met with an uninterested response. Finally, I was told that I could reschedule the debt, provided that I co-operate in ...
Guest.'s full review | 113 words
Review by
Guest.
on 9th May 2008
User Rating : 10
Respect :
0
After reading many reviews about them removing your promotional rate after a missed payment, I was in the unfortunate position of facing this myself when I did just that. I rang up and politely explained what had gone wrong and the girl on the phone agreed to put me back on 0% as I was a new customer and was the first time this had happened !! Always worth asking them if you are in a similar position I guess.
Guest.'s full review | 93 words
Review by
mar489
on 4th May 2008
User Rating : 8
Respect :
0
I was given an initial allowance of £2000 on my Virgin Credit Card. Which is large in comparison to my other credit cards initial allowance. The egg card gave me £500.
mar489's full review | 37 words
Review by
Guest.
on 29th Apr 2008
User Rating : 0
Respect :
0
Missed payment by one day and had to pay the full interest rate for the lifetime of the balance! Have paid off and will never use again. stay away!!!
Guest.'s full review | 29 words
Review by
Guest.
on 23rd Apr 2008
User Rating : 1
Respect :
0
I made a transfer to Virgin Credit Card of approx 5k to which they were happy to do and almost bent over backwards transferring outstanding credit from another MBNA card so i could consolidate all my debt. They did not once mention that i might be in jeopardy of losing my 0% interest if i missed a payment. I missed a payment of £10.70 by two days and now they are charging me interest on the full amount. To say i was annoyed ws an understatement ! I am now washing my hands of all things to ...
Guest.'s full review | 119 words
Review by
Guest.
on 17th Apr 2008
User Rating : 2
Respect :
0
About 6 months ago Virgin tried to put me onto a rate of 29.9% from my (at the time) current rate of 15.9%. I telephoned the retentions department and got it (relatively) down to 21%.On Saturday I got the now famous letter telling me that Virgin money had done some horizontal integration into the loan industry and their opening move was to put my rate up to 34.9%. I once again called customer retentions and the first response I got was that once rates had been set, they couldn't change, then whe ...
Guest.'s full review | 243 words
Review by
lfm
on 31st Mar 2008
User Rating : 0
Respect :
0
Virgin Credit Card put my apr up to 34.9% with minimal warning, when I asked why I was told that they choose "random" accounts to do this to, not on the basis of risk, isn't that nice to know!
lfm's full review | 38 words
Review by
Guest.
on 26th Mar 2008
User Rating : 0
Respect :
0
I was a Virgin Credit Card customer for many years and was 5 days late in paying £8.99; they stung me with £12.00 late fees and £14.55 interest - totally over-the-top. They are the worst financial organisation I've ever dealt with.
Guest.'s full review | 75 words
Review by
Guest.
on 14th Mar 2008
User Rating : 10
Respect :
0
customer services are very helpful. I've never had any problems with Virgin Credit Cards.
Excellent all round card.
Guest.'s full review | 27 words
Review by
Guest.
on 15th Jan 2008
User Rating : 1
Respect :
+1
DO NOT apply for this card unless you are absolutely sure you can pay off balance at the end of the 0% offer. As soon as the 0% interest runs out they changed my variable rate to 29.9% even though they advertise it as 15.9%. I never missed a payment and was told that it was my own fault for not requesting a lower rate at the time!! Customer service representatives tell you different things, seems they need extra training. Also the online facility is quite poor compared to other companies (i.e ...
Guest.'s full review | 141 words | 1 comment added.
Review by
brigo233
on 18th Dec 2007
User Rating : 0
Respect :
0
I owed £2400 the day the bill arrived I paid the full amount off via online banking and was still charged £11 interest!!! explain that. Biggest reason is that if you're a balance transfer man like me you find that nobody will accept transfers from MBNA cards, the worst card in the world ever!!!!!!!!!
brigo233's full review | 59 words
Review by
Guest.
on 17th Dec 2007
User Rating : 2
Respect :
0
When I settled the account I paid more to compensate for the interest that would have accumulated. After explaining this to a customer support agent over the phone she told me to cancel direct debit and if any money was in credit after the next statement to telephone back for a refund. To my horror i was charged £12 for canceling the direct debit. Eventually after a long argument with customer support ant their manager the money was refunded to my account and I thought it was the end. But ...
Guest.'s full review | 165 words
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