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Home > Finance > Banking & Personal Finance > Credit Cards > Virgin Credit Card
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22 Reviews

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If you ever need a credit card, dont pick this one. They put up my interest rate to double the original one I was on - I complained. The customer service is appalling, simply the worst I have ever... more

User Reviews

for Virgin Credit Card

Rating Summary based on 22 reviews

  • 5 Stars
    		6
  • 4 Stars
    		5
  • 3 Stars
    		0
  • 2 Stars
    		3
  • 1 Star
    		8

Detailed rating

  • Additional Charges
  • Competitiveness of APR
  • Ease of Application
  • Product package
  • Quality of Customer Service
  		• 2.3
  		• 2.9
  		• 4.1
  		• 3.4
  		• 3.2
  • 103 of 103 Ciao users found the following review helpful
    Picture of helen201274

    Level 5 helen201274

    Member since 21/10/2002

    Reviews written: 35

    5 Stars Are you a Virgin 05/06/2003
    User recommends the product

    Advantages Advantages 0% balance transfers, friendly staff, reward points

    Disadvantages Disadvantages No high street branches

    A few weeks ago I 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 for the Virgin Mastercard credit card which earn me points when I shopped in Virgin. I was in quite a good mood that day so I decided to go ... more
  • 13 of 13 Ciao users found the following review helpful
    Picture of f1insidetrack

    Level 2 f1insidetrack

    Member since 22/09/2006

    Reviews written: 13

    4 Stars Virgin Credit Card : 'Plastic Fantastic' Review with images 01/12/2009
    User recommends the product

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

    Disadvantages Disadvantages Minimum 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 was the quicker option and less hassle. I went to, www.virginmoney.co.uk, clicked on the virgin credit card option and this loaded up the details and ... more
  • 25 of 25 Ciao users found the following review helpful
    Picture of burtybookworm

    Level 6 burtybookworm

    Member since 02/09/2008

    Reviews written: 138

    2 Stars oh no...get out quick if you can!! 07/09/2008
    User doesn't recommend the product

    Advantages Advantages website easy to use, great introductory offer

    Disadvantages Disadvantages hiking up interest to an extortionate 34.9%!!!

    Oh dear, where do 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 and certainly attractive, getting and remembering a username and password is also really simple - no complicated ID numbers etc that ... more
  • 26 of 26 Ciao users found the following review helpful
    Picture of indiegirl

    Level 4 indiegirl

    Member since 12/05/2001

    Reviews written: 40

    5 Stars I have gone red and I rather like it. 25/11/2002
    User recommends the product

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

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

    I had a standard bank-issued card for years - you know the sort - given to you when you open a bank account with one of the main UK banks even though you probably don't want it, and thus never tend to use it. To be honest, I wasn't a big credit-card user until I started online shopping. For me, the importance of security online is imperative, and I'll always use my MasterCard rather than Switch/Delta when handing out card details online. Anyway, my bank ended their reward scheme for utilising their credit card, and I was a bit peeved to say the least. OK, apart from shopping online, nothing ... more
  • 10 of 10 Ciao users found the following review helpful
    Picture of s32bauer

    Level 3 s32bauer

    Member since 30/12/2004

    Reviews written: 54

    1 Star Virgin - AVOID AT ALL COSTS! 18/08/2008
    User doesn't recommend the product

    Advantages Advantages Good initial offer

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

    I cannot express how much I would urge people not to get this credit card. Not even for it's initial offers - well, unless of course you are able to completely clear the balance before the offer expires. I got this card around 2 years ago, with a £3200 limit. Due to the difficulties I was experiencing at the time, this quickly reached it's limit, however I always met the minimum payments, and often paid more than this. However, due to more financial difficulty, I had to set up a payment plan with Virgin. This alone took 3 weeks to do, along with 4 separate phone calls to them and MBNA ... more

Questions

for Virgin Credit Card