Virgin Credit Card Reviews

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1.1 / 5
9% of users recommend this
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Latest Reviews

★☆☆☆☆

“MBNA & Virgin = bloodsuckers”

Written on: 29/05/2014 by Tierney1949 (1 review written)

The Virgin Credit Card probably proves by its existence that there is no God. Have been banking for 20+ years and living for 40+ years. Not only the worst credit card company, but likely the worst company overall that I have ever had the displeasure of dealing with. An embarrassment to humanity. Hopefully you are not reading all these reviews after you have been raped… Read Full Review

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★☆☆☆☆

“Worst credit card company award goes to no surprise...”

Written on: 21/05/2014

Absolutely the worst experience ever with a credit card company, the whole set up is geared towards getting you off there headline 0% interest rates. I started to notice that they would not put up my next required payment online until the very last minute and change the date of this frequently, there system is not live so any payments you make dont show and when you finally escape there grasp and settle the final balance, they will zero your available to spend almost immediately but the… Read Full Review

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★☆☆☆☆

“Left high and Dry and Given Peanuts to say Sorry!”

Written on: 05/08/2013 by enhari123 (1 review written)

First of all, I am absolutely shocked that of all companies i'd be writing a complaint about Virgin having been told about their services highly and the credit card seeming like a great option when I opened the account. The customer service is a complete joke - I went travelling for 4 months in south america and when i was in santiago, Chile £300 was taken from account wrongfully when I was using an ATM. The machine had died with my card inside after I had selected the amount that I wanted to… Read Full Review

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★☆☆☆☆

“Scam on the Virgin Card”

Written on: 03/06/2013 by RCrouch (1 review written)

After a long serious illness I checked my virgin account online to discover two companies (RewardsNow.com & CreditScore.com) were each taking £19.99 out my account every month. Having never heard of either company I duly complained to Virgin/MBNA, Big mistake, they nicely denied all liability and after many letters and calls I am about to challenge Richard Branson to a duel. … Read Full Review

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★☆☆☆☆

“The wworst credit card company is a virgin company”

Written on: 30/05/2013

Poor on line service, hopeless operators and just generally the worst company/bank/credit card provider that I've EVER used...stay away!… Read Full Review

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“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 then… Read Full Review

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★☆☆☆☆

“0% Balance Tranfers - Dont Bother!”

Written on: 27/02/2013 by outofmybox (1 review written)

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 Full Review

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“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 Full Review

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!!!

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“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 Full Review

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 to… Read Full Review

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★★☆☆☆

“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 increasingly… Read Full Review

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★☆☆☆☆

“Avoid”

Written on: 07/05/2012

There is nothing about Virgin Money I would recommend… Read Full Review

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“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 is… Read Full Review

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★☆☆☆☆

“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 Full Review

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★☆☆☆☆

“Suspended Account without notifying me.”

Written on: 10/04/2012 by venturoboy (1 review written)

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 Full Review

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