Virgin Credit Card

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Reviews - Virgin Credit Card

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Super

Lower interest rates than other credit cards, styl...

Minimum payment of £25 is quite high. Additional c...

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...

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Competitiveness of APR
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Excellent

“Are you a Virgin”

published 05/06/2003

0% balance transfers, friendly staff, reward point...

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...

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Competitiveness of APR
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Satisfactory

website easy to use, great introductory offer

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...

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Excellent

Reward points (for some), flexibility in APR choic...

High(ish) APR rates, Internet and phone based only...

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...

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Not for me

“Virgin - AVOID AT ALL COSTS!”

published 18/08/2008

Good initial offer

Awful customer service, soaring interest rates, no...

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...

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Excellent

“0% Credit Card Junkie”

published 06/12/2005

Smooth application process, decent size credit lim...

Not 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...

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Super

“(Air) Miles ahead.”

published 19/06/2006

good introductory offers (0% balance transfer), AI...

there are cards with lower interest rates easily a...

I 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...

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Not for me

“Virgin Credit Card Rip Off”

published 22/06/2005

Low initial interest rate

revert 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...

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Super

0% 12 months on balance transfers

2% BT fee - but better than others at 2.5% now

I am usually good when it comes to money but the last few months I have been busy re-schudling my finances to get the best deals possible - see my other reviews. Now I have switched my credit card balance to Virgin and hence broke my cherry (I haven't changed for a long time). The pro's The on...

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Not for me

“Virgin and MBMA rip off”

published 04/03/2008

10% discount in Virgin and ZAVVI

Punitive Terms & Conditions for late payment.

I am about to pay my card off and close the account. Let me explain. I have been an exemplary customer. I have paid my card off every month 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...

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Excellent

“Sharp increases in APR”

published 13/04/2007

Frequent 0% offers

Not the lowest APR

When I first apply for this card, I wanted it because it had the longest 0% APR offer of all (at that time). I did not plan to use it for purchase at all. The introduction 0% transfer for 9 months offer may seem very typical now, BUT what makes Virgin so special is that towards the end of the 9...

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Excellent

“Excellent card”

published 28/02/2007

Exellent staff, good introductory rates

None, 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...

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Excellent

published 19/11/2008

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.

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Super

“Virgin Credit Card”

published 12/12/2003

Easy to apply for online, 0% on balance transfers ...

Quite a high APR after 0% has run out

I applied for 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...

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Not for me

published 15/04/2008

BEWARE OF THIS CARD. After the inital promotional offers they will raise your interest rates astronomically. I pay my card every month within 3-4 days of getting the statement and alway more than the minimum amount requested. After the initial 15.9% promotional rate the interest rate was raised to 21.9% and when I protested they dropped it to 17.9% - but this only lasted a few months. They then raised the interest rate in October 2007 to 29.9% and now they are raising it again in May 2008 to 34.4%. They do not wish to talk about it and they have more or less said they can do what they like - so tough luck. GET THIS CARD AT YOUR PERIL. YOU HAVE BEEN WARNED.

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