Virgin Money No Annual Fee Visa

Been a customer for almost 4 years. Absolutely disgraceful customer service. Mishandling of a direct debit arrangement, then to let the issue progress without notice so they could say "gotcha" and slap $30 fees on my account. They are some of the worst actors out there. Horrible to deal with, also over seas call centres are robotic and you are just.a.number.

Can't find the right card but virgin suck. My phone and card qa stolen while overseas, the 'support' was rude, incoherent and useless. I am done with these over prices scammers with zero support. How hard is it to cancel a card...for virgin staff apparently it's really really really hard. Show details

Had to call Virgin, waited 90 minutes and then 30 minutes on call as I could not pay my card payment due to a new computer system that had locked my Bpay payment number for the last week. They said to try each day till a payment goes through. I tried everyday and on the 6th day a payment was able be processed. They said I would not be charged an… Read more

overdue fee or interest during this time. To get my statement I now have to log onto a website, where in the past the statement was sent via email. Everything is now skewed to an app on your phone which I do not use. So on my PC I log on get the statement & interest and overdue fees are on the bill. Another 2 hours on the bloody phone for $40. as there is no other options for contact. Grrrr

Easy to use credit card, no issues – I like virgin money with velocity points, they're easier to deal with than qantas and have more flights across asia (which is what i use). I would sign up again if there was another bonus points offering. Good customer service too.

Quick service and easy to deal with – Best service. Someone did transcations from my card and Virgin paid me back and block the card. Quick response and resolve the issue with few days. Show details

They are a fair company, compared to similar companies! – They came good at the end and did the right thing. Just explain the situation in a calm manner and most will help and do the right thing. Show details

Shockingly, almost unbelievably bad services, website and customer care. Website is from 19999 with clunky UI and confusing features. Fun fact: you can’t reply to emails they send you because of “invalid characters” that THEY sent you. Cr^p like that over and over. Foreign call centres that can’t do anything. And virgin points? Ha! You can’t get… Read more

anything for them anymore. Pointless Like; even if they PAID me, I would still use Any other provider. AVOID AVOID.

Worst Customer service and don’t even go above or beyond at all for you Requested an account closure statement after confirming balance paid which was paid instantly. It’s been over 5 days, no letter sent even they have all the money. Answer is Our System doesn’t generate letters Wow NEVER EVER USE THEM Regards Diljot S Show details

Freaking useless, they cancel my card, tell me I have applied for bankruptcy. I have never applied for bankruptcy in my life. Never missed a payment on anything. They tell me they will call me in 24 hours to provide an explanation, nothing. Magically my card and account go back to working. I call them, and they tell me that it was the fault of… Read more

the airline website where I tried to use my card as they had cancelled it. No accountability, no apology and most important no explanation. Someone from their own team had told me about the bankruptcy hence I got in contact with AFSA and got a background check on my name. DO NOT recommend.

Purchased a product from an overseas seller and while I understand there are international transaction fees I wasn't expecting $130 for a computer to change one currency to another! It's not like they are paying someone a wage to do it. It's a computer to another computer. My nab debit card is international fee free so it really makes you wonder… Read more

how a company like virgin can rip people off and yet nab bank can absorb the fee. Both cards are no annual fee so I don't understand. But I will be closing the account and I will NEVER recommend them to anyone. Stay away from them.

The Worst Credit Card Ever – The absolute worst credit card ever, they changed terms that is so ridiculous !! 14 days to pay !! They charged me so much interest and when I asked they said it’s cash advance which I didn’t then they say some card transactions to certain places is considered cash advance even you didn’t withdraw cash !! Their customer service care are there to… Read more

rip you off !! They are rude and never listen or allow you to talk !!! Absolutely disgusting horrible behaviour and THE WORST CARD EVER ….. I AM CLOSING IT AND DON’T EVEN TRY GET ONE !!! IT IS LIKE A DAY TIME ROBBERY OPPISTE A POLICE STATION …

Beware of Virgin Credit Cards changing terms and conditions – Beware of Virgin Credit Cards I did a zero % balance transfer, and set up automatic monthly payments to pay off. I did not see that virgin changed the statement period from 21 days to 14 days, and then started to charge me late fees. This change was in an email, but as this was a 0% balance transfer and automatic payment off, I did not see it for… Read more

2 months. After complaining Virgin reversed these fees, but they still charged me retail interest on the fees they had charged me and then subsequently reversed. I short, BEWARE Virgin Credit Cards, as they will change the terms and conditions to try and catch you out and charge you fees and interest. It only cost me cents, but to me this is very dodgy business practices, and I could see many being badly caught out by this. Account now closed, lesson learnt, do not use Virgin Credit Cards.

They only want you if you're spending – It's great there are no annual fees & the application was quick. Once I paid it down to a zero balance and hadn't used it for purchases for 6 months, they simply emailed me saying thru were closing my account. I was hoping to keep it open for rainy day emergencies. The App is very basic as is the website.

The WORST credit card provider – By far the worst credit card provider in AUS. They have recently changed the interest free period from 55 to 44 days and one simple email notification. If you have forgotten, you will end up paying 2 credit card statement within a month. Customer services is despicable and staff is not well trained to advise customers accurately on the changes and solution to the immediate change.

Never ever again use Virgin Money!!! NEVER! – International transaction fee? $170? Wow! No fine line when this card would charge you international transaction fee. The charged me for $145 annual fee - used this card for less than a month and happily cancelled it. Will never ever use Virgin Money again! Highly not recommended!!!!

This company is useless – Don't expect to ever get a secondary card for the account. The customer service team will lie to you just to get you off the phone. Two months on and the card still hasn't been approved despite the ID checks being completed. When you contact them, you get foreign call centres who will do anything possible to avoid raising a formal complaint. Show details

Absolute joke of an organisation – Just on call for the fifth time to try and get my application processed despite sending all the information time and time again. This place is comical. Am now trying to get them to delete my application as I can not deal with this place anymore. Show details

Choice a better credit card next time – Applied for the card to get rewards , card approved 20 days before i got it at home. Had no chance to obtain points since the short time from approval to get it in my possess. Unclear communications and provedures. App low functions. Show details

I wish I was with another bank – I’ve had this card for 6 years. It’s expensive but provides (maybe) travel insurance. I’m yet to try. Recently had some gpay fraudulent activity on my card. Virgin money were the worse to deal with and now we are looking at court action. Please be aware. I think Citibank backed and that’s why. Show details

Disgusting, Ignorant, Arrogant and Grossly Incompetent! – Applied for a virgin credit card. Got a reply saying, illion, who are another ignorant, arrogant and grossly incompetent organisation, could not verify our identity. They also said they had tried to contact us on the numbers provided, which is a blatent lie! We sent them a reply with further info but bever heard a thing. So we checked our… Read more

application progress to find they had cancelled it. We emailed both them and illion demanding the provide us with details of what they sent illion and what illiin sent them. We have still nit received a reply. We have consulted our Solicitors and have writen to both making firmal complaint and demanding an explanation. Now have credit cards from our bank without a problem! Will be cancellung our Virgin Velocity as soon as we have used the points and Virgin can go get f...ed! Will never fly Virgin again!

Be careful if youre getting the card for points – I got a virgin credit card for the points, however, the statement came earlier than 30 days, so I had not spent the required amount (since it was less than 30 days) so I did not get the points.

Literally the worst credit card I've ever owned (and I've owned many) – Appalling I actually didn't get this card but the one you PAY FOR. Unbelievable. You don't wait on hold because your call is outsourced to India where you can hear ten men shouting in the background. They have to google each instruction they give. No Google pay option. The app literally doesn't work whatsoever. Their best recommendation is to use the website... Are you kidding??? It's not even worth the bonus points. I gave up. Show details

Why is it so hard to give you my money? – Here is my experience so far: Application process - send in my payslips. 1 week later - "We need new payslips". Ok, no problem, i send in new payslips. 2 weeks later, no reply at all. I call them, it takes approx 2-3 min to navigate the menu just to enter the overseas agent queue. I navigate to the overseas agent queue, and instantly my call… Read more

gets disconnected. I call 4 more times, the same thing. Instead i go through sales, what do you know, instantly get into offshore staff member.

I ask hey have you got my payslips? "Oh yeah we got them a few weeks ago." "Ok so why aren't they processed likeeee??". "Hmm not sure, ill put you through to the credit card guys." *CALL GETS DISCONNECTED*.

Nice, lets go through the circus again. Finally get through to the credit card guys, "oh idk why its not processed, ill process it." Instantly approved.

I download the app, register my card. Cool.

3 Week in yeah, i randomly get a text saying your account is locked and you need to send us ID. My account is indeed locked.

I call them up, get an offshore lady again who says I have to register my card, uninstall the app, reinstall the app. Cool, i do all that. Oh wow no way my account is still locked? Who would have thought.

She transfers me to an australian. The australian says "oh look there is a flag on your account that says you need to send in ID". I've been on the damn call for 20 minutes at this stage. "Cool thanks for telling me that. I'm calling because I don't want to. I didn't do anything."

Oh well too bad so sad, send ID now and i'll see if we can unblock you. Nup. I say put me through to someone who can unblock me. She calls head office, and they un block me.

I've already spent $1.5k on the card at this point. Why is it so damn hard, every single process since singing up is so difficult, just let me give you my monies pleaaaaase, thanks in advance.

Poor Customer Service – Just poor customer service. Tried to get my partner added as an additional card holder - took 4-6 weeks. Since then I've been massively turned off as they were unresponsive to my requests (all very reasonable). I think its by far the worst banking instituation i've ever dealt with - not a fan.

Do not apply for this card – Like everyone else’s comments, I was another ‘burned’ customer. Wish I hadn’t wasted my time, and like others my now my perfect credit score has a blemish on it. Shame on you Virgin money, never will I cross paths with you again. Show details

Absolutely disgusting. Would never recommend this company – Interest rate has skyrocketed without any advice, Impossible to get an operator who can say anything thats not on the script & hopeless after longwinded identification process. Trying to access my own account after logging in, then not receiving pin no supposedly sent to access required information. They do not listen to what you are saying, as… Read more

they are too busy constantly interrupting, until you finally demand to be allowed to finish a sentence. When asking for escalation to Supervisor, you are treated to silence until you ask are you still there?" and are then put on hold for unbelievably long periods of time before finally being disconnected from the call. Have NEVER dealt with such an unhelpful, frustrating company. Naturally, problem remains unresolved. Really hope someone in high Management actually reads these reviews and address the many issues experienced.

i shouldn't have applied their credit card. now they just rejected my application and made my score looking bad! – they are very not transparent, not responsible, not communicative and not professional. now i regret applying for it, they checked my credit score, and i am afraid they have made it looking worse. i guess they just don't care. if you only take advantage of free annual fee and free balance transfer, i think you are not welcomed! Show details

Do Not Apply for this Card - Warning if you value your credit score – I applied for this card in mid July 2020. Thinking I am already with Virgin Home Loan, I would have thought this is one of the benefits being advertised by Virgin Money. Fast forward to early August 2020, my application was declined. To put into the context, I have over 800 credit score, 6 digit income, low mortgage repayment due to high offset… Read more

balance (80% offset), low credit card owings because I was thinking of swapping my other card to this one.

They claimed reasons for decline is confidential. I suspect this is to avoid being mystery shopped. I lodged a review request at the recommendation of the officer. Today marked 1 week the request was not even acknowledged nor replied. My email was effectively ignored.

So many of the commenters in this forum and other shopping review forums are correct. I can objectively said do not apply any credit card from Virgin Money as you have very high probability of being declined despite good score and income/liabilities ratio.

The end result of this experimentation is a blotch in my credit enquiry. Fortunately, I have not been applying anything in the last 3 years so this would most likely be overlooked.

If you care for your credit score, think before apply! – I was hesitant before applying for virgin credit card due to many negative review. After experience myself, I know now those bad reviews are there for reasons. I was attracted to BT 0% 12 month. I worked for same co for 10 years, stable income and made multiple times than the minimum income requirement on their website, and excellent credit score… Read more

as I have checked them before. They called me the day after I lodged my application online. They asked for my additional income which I have provided document evidence. Just like someone commented before, minutes after interview thay send rejected email. It's odd! why asked me about additional income if they were going to reject it anyway? The fact I could provided doc evidence means nothing! yet they asked? I think the left hand don't know what the right hand is doing! glad I don't become their customer!