Rating Summary

Detailed rating

Competitiveness of APR
Product package
Quality of Customer Service
Reward Scheme
Additional Charges
Security and Privacy
Ease of Application
1-15 of 23 reviews Show most helpful reviews first Newest first

 

Community Level 5helen201274

helen201274

Are you a Virgin

Advantages0% balance transfers, friendly staff, reward points

DisadvantagesNo high street branches

"...was shopping in my local Virgin store on the weekend when I got approached by one of their staff who asked me if I’d like some free virgin vouchers. Free vouchers of course I replied. She then proceeded to ask me a few questions, which were something like: - Do you have a full time job? Are you on the electoral register? Do you have a cheque guarantee card? When I answered these questions she told me that I had qualified to apply ..." Read review
05.06.2003

Ciao members have rated this review on average: very helpful

Community Level 2f1insidetr...

f1insidetrack

Virgin Credit Card : 'Plastic Fantastic' Review with images

AdvantagesLower interest rates than other credit cards, stylish choice of card designs, widely used

DisadvantagesMinimum payment of £25 is quite high. Additional charges can be costly, alot of additional post.

"The Virgin Credit Card from Virgin was launched in the UK in 2002. Since that time it has grown into one of the most well known and recognizable credit cards on the market today. Offering low APR, interest, and a range of other features such as money off other virgin products this card do have many rewards. Signing up to a Virgin card is easy and can be done either on the phone or the Internet. I chose to use the internet because I felt that it ..." Read review
01.12.2009

Ciao members have rated this review on average: very helpful

Community Level 6burtybookw...

burtybookworm

oh no...get out quick if you can!!

Advantageswebsite easy to use, great introductory offer

Disadvantageshiking up interest to an extortionate 34.9%!!!

"...I start? I applied for a virgin credit card shortly after I returned from my world travels, id been working a bit abroad but id still managed to rack up a bit of debt along the way, plus id started a new job and had bought a car, the deposit of which went on my old credit card. Adverts for virgin were everywhere offering a 0% balance transfer rate, it looked pretty attractive, so I went for it and transferred my balance. VIRGIN WEBSITE Colourful ..." Read review
07.09.2008

Ciao members have rated this review on average: very helpful

I have gone red and I rather like it.

AdvantagesReward points (for some), flexibility in APR choice, and options to change your APR at any time

DisadvantagesHigh(ish) APR rates, Internet and phone based only (some may not like that).

"...was shopping at my local Virgin Megastore, when I caught a leaflet advertising their new credit card. "in for a penny, in for a point" thought I, and took a leaflet. It wasn't too in-depth, but pointed me to the Virgin Money website which contained a link to the Virgin Credit card. A wealth of information was to be found. From the website, there was a specific link to the Virgin Credit card. I won't bore you with all the details, as if you're reading ..." Read review
25.11.2002

Ciao members have rated this review on average: very helpful

Community Level 3s32bauer

s32bauer

Virgin - AVOID AT ALL COSTS!

AdvantagesGood initial offer

DisadvantagesAwful customer service, soaring interest rates, no communication unless they want something

"...to them and MBNA. Eventually Virgin agreed to the payment plan, however I regularly received threatening letters from MBNA, threatening court action, despite me sticking to the agreement. I also have an HSBC credit card, which is at the same balance. However, I was a bit concerned that I was paying only £40 interest a month on my HSBC credit card, yet I was paying £98 interest on my Virgin card. After speaking to one of their advisors I was told ..." Read review
18.08.2008

Ciao members have rated this review on average: very helpful

Community Level 1no1angel

no1angel

0% Credit Card Junkie

AdvantagesSmooth application process, decent size credit limit

DisadvantagesNot found any

"If you're looking for a credit card to transfer outstanding balances to, then this one does the trick nicely. The application process went through very smoothly and within days I was issued my card giving me 0% on balance transfers for 9 months. The credit limit was set at a decent size too which as a 0% credit card junkie is a major factor as it meant I could move all my outstanding balances from cards where the 0% was ending to this one and not ..." Read review
06.12.2005

Ciao members have rated this review on average: helpful

Community Level 2technopanic

technopanic

(Air) Miles ahead.

Advantagesgood introductory offers (0% balance transfer), AIR MILES ! ! ! !

Disadvantagesthere are cards with lower interest rates easily available, this is 15.9%

"...decided to apply for a Virgin Mastercard as I am already a member of Virgin Atlantic Flying Club, and it was a good way to top up the airmiles, get a good offer on balance transfers, and it's backed by a big bank (MBNA Europe). The application couldnt have been easier, I filled out the application online and within a couple of days got the letter confirming my credit limit and terms and conditions. A couple of days after that and my PIN arrived, ..." Read review
19.06.2006

Ciao members have rated this review on average: helpful

Community Level 1bosscat2

bosscat2

Virgin and MBMA rip off

Advantages10% discount in Virgin and ZAVVI

DisadvantagesPunitive Terms & Conditions for late payment.

"...on time and in full. Virgin and MBMA don't like that. They don't make money from people such as I - but they do. I paid one day late in December and was charged a £20 'late fee'. Fair enough. I paid on time and in full for January and February but have still been charged interest at 16.9%. When I called to enquire why, apparently it's all above board - you incur a 'late fee' and they then charge you interest for two months no matter if you pay in ..." Read review
04.03.2008

Ciao members have rated this review on average: helpful

Community Level 1cat.g77

cat.g77

Virgin Credit Card Rip Off

AdvantagesLow initial interest rate

Disadvantagesrevert to high rate for "bad account management"

"I took out a virgin card and the application process was very smooth. I transferred the balance from another card with a interest rate of 15.9% because the rate was 13.9% and I only pay the minimum each month. After about a year I became ill and made a claim on the payment protection policy. The insurers took a long time to make the payment and although I was assured by customer services that I did not need to worry because they were aware of the ..." Read review
22.06.2005

Ciao members have rated this review on average: helpful

Community Level 1alvinlwh

alvinlwh

Sharp increases in APR

Advantages Frequent 0% offers

DisadvantagesNot the lowest APR

"...typical now, BUT what makes Virgin so special is that towards the end of the 9 months, they offered me another 6 months, but for purchase. As with most credit cards, you have to be careful about overlapping offers like this as your payment will go to the item with the lowest/no interest first (ie 0% will be paid off first while the 15.9% will be sitting there gathering interest). So what I did was to transfer the outstanding balance away from this ..." Read review
13.04.2007

Ciao members have rated this review on average: helpful

Community Level 2Teach2301

Teach2301

I broke my cherry with Virgin

Advantages0% 12 months on balance transfers

Disadvantages2% BT fee - but better than others at 2.5% now

"...my credit card balance to Virgin and hence broke my cherry (I haven't changed for a long time). The pro's The on-line application was made through a referral site and I gained points (that get turned in to ££ later on) and the application was almost instant. I received an email to confirm that my application had been accepted. You even get the choice of card colour (red, silver or black) and even how you want your name to appear on the front. A ..." Read review
02.10.2006

Ciao members have rated this review on average: helpful

Community Level 1darren0710

darren0710

Excellent card

AdvantagesExellent staff, good introductory rates

DisadvantagesNone, providing you don't breach T&Cs

"Virgin (provided by MBNA) is an excellent card with an average APR (15.9%) but excellent introductory rates (e.g. 0% APR on balance transfers for 12 months) ... and regular new offers for BTs (e.g. 3.9% for 8 months). Fees and charges are much the same as others cards and have recently been reduced because of the controversy around penalty charges. There is no annual fee and default charge (late / non-payment, failed direct debit etc) is £12.00. You ..." Read review
28.02.2007

Ciao members have rated this review on average: helpful

Community Level 1PAZZZ1000

Quick review of Virgin Credit Card

"VIRGIN CREDIT CARD A TOTAL RIP OFF I DID A BALANCE TRANSFER TO VIRGIN CREDIT CARD IN FEB 08 AND WAS TOLD THAT ONCE THE 9 MONTH LOW INTEREST ENDS I WOULD BE CHARGED A RATE OFF 15.9% APR,I THOUGHT A BIT HIGH BUT IT WILL DO.I WAS HORRIFIED TO KNOW THAT THEY PUT THE INTEREST RATE UP TO 34% APR .I HAVE CONTACTED THEM ON MANY OCCASIONS AND THEY WILL NOT LISTEN. I HAVE NOW PUT A COMPLAINT TO THE FINANCIAL OMBUDSMAN. PLEASE KEEP AWAY FROM VIRGIN CREDIT CARD THEY WILL STEAL YOUR MONEY THEY ARE THIEVES CROOKS ,CROOKS.
19.11.2008

Ciao members have rated this review on average: helpful

Community Level 1dafydd1952

dafydd1952

Dafydd

AdvantagesNone whatsoever

DisadvantagesVery high interest charges, rubbish customer services and can't pay the bill at a bank

"...balance from another card to Virgin over two years ago. It looked like a good deal - 16 months interest free etc. BUT after only one month I received my bill just four days (including a weekend) before the payment date and guess what? - The interest free period was cancelled and I was charged £12 'late payment fee' even though I paid it directly to Virgin via online transfer!!! As for customer services - Well if you ever manage to get to speak ..." Read review
25.11.2008

Ciao members have rated this review on average: helpful

Community Level 2jodiemay

jodiemay

Virgin Credit Card

AdvantagesEasy to apply for online, 0% on balance transfers for 6 months and you can earn reward points to spend too

DisadvantagesQuite a high APR after 0% has run out

"...this card online at the Virgin money website and was pleasantly surprised at how easy and quick it was to complete. They didn't want to know too much information that required you to get your belongings out, all I needed was my other credit/store cards to be able to input the information for a balance transfer. Once the online form was completed, within about 2 weeks I received a form in the post to sign and return in a pre paid envelope, and ..." Read review
12.12.2003

Ciao members have rated this review on average: helpful



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