No updates with where your application is at, link to view progress of where your application is at yourself is never updated.

No one seems to have a clue what day it is yet alone what product they're even meant to be selling to you.

Should have stuck to telecommunications.

Not sure how they stay in business. Application took 3 weeks and I was declined. They didn't call to check my employment and didn't understand tax deduction on payslips?!? Called me 3 times to ask the same unrelated questions. BTW i have no credit cards, own my home and earn 80k per year. [name removed] would be furious his brand name is turning to mud

You get interest free on the balance transfer, but they charge you interest on your purchases from day 1. Of course it's all legal because it's hidden in the Ts&Cs.

If they're willing to screw you on tiny things like that I can't imagine what they'll do to squeeze money from you on big things. Account closed.

Read Not Happy's review.my experience is exactly the same, possibly losing a home loan for not disclosing I had a Virgin credit even though I had told Virgin that I had cut up the card and to cancel it over 3 months ago, but they never did. devious, rude people at their call centres,

I have had this card for over 3 years the initial application process was normal with around a 10 day turn around time. In the entire time have had to call maybe 3 or 4 times and each time was fine issue was resolved quickly.

Tired of the false promises of upgrades and economic seating as a top 1% traveler. I can’t even get an aisle seat! Pathetic

The actual card is pointless to use to pay bills.
The supposed bonus points are near impossible to attain unless you're a big spender in shops. I paid heaps of bills and was told because it's Bpay it does not count for points!!! My annual fee should be refunded.

We had a ZERO balance at the time of the due payment and we were still charged interest.
1 painful phone call resolved it. Pity you can't teach common sense and logic to people.
AVOID this card as there are plenty of better cards out there.

They have the worst customer service ever. Even one star is too good. Try to ring their customer service when you have a query, you will end up dealing with people overseas who you can barely understand and their distant call made it no very audible either. Everyone you talk to is clueless, you get passed like a ball from one idiot to another and back to main menu again on and on. How can Virgin use that kind of backward service? I will have to cancel that card, no way I am going to spend over 30 mins over the phone to deal with clueless people again.

Had 2 simple questions: what are my 80,000 points worth? and I'm comparing 2 flights virgin vs etihad -so what points would I earn? Tried web site - it's unclear and referred me to the call centre (!). 1st level was hopeless, then spoke to 2 different teams... after 90 mins, I have partial answers, (which concludes the points are virtually worthless). What a waste of time, my gripe is the program is too complex, the web site is too complex and employees are unable to communicate in a way that makes sense to the average customer. Virgin leaders - try using the service yourself, get your best staff together and map out the customer journey - then fix it.

Contacted Velocity call center to claim points missing from my account. The person who answered the phone obviously was either new or just didn't care, for something so simple I was put on hold three times accumulating to almost a half an hour. I was then informed by the person that points were put on an account for Delta airways which I don't have and I would need to tell them to transfer them back to my Velocity account. I tried to explain to him that I don't have a delta account and as I flew with Virgin they should have been put on my Velocity account. He continued to tell me to contact Delta as I don't have an account with them how can I contact them he then hung up on me.
The worst call center I have come across in a long time.

Poor customer service, incorrect charges and interest applied, do not cancel card when requested, extremely pushy sales staff, avoid at all costs

The worst card i ever had. I am so happy that I could pass the "customer relationship officer" finally to cancel. The fee and charge system is weird, greedy and tricky that keep making the balances snail back to get charged additional fee...very tricky. Never come back and would not recommend. Customer service staff can be rude...especially when you call to cancel, the customer relationship officer tries to catch you back like fishing and when they cannot change our mind, they are rude and cut you off.

I tried to book a return flight Hobart to Melbourne, as I couldn't use the cheapest flight and needed to pay taxes of $51 for complimentary flights + credit card fees for both initial and complimentary flight.

I saved $66 by booking 2 flights with Jetstar.

No dramas with this card at all. I've been using this card for 5 years now, never a problem. Now that you can change your pin, even better.
I tend to fly virgin when I do, as I find them reliable and they provide good customer service, so it was an easy choice to go with their frequent flyer scheme and their credit card gives more points rather than go through a bank (1 point per dollar, vs half point per dollar with one of the big banks)
I've already used some points, enjoyed the service.
Good frequent flyer scheme. At least you know it won't go broke (Qantas remind anyone)
No actual app. Big downside, consider all our big banks have an easy to use app

On face value the card sounds fantastic. Just gave up on application process. Numerous calls from a call centre who even rang my accountant wasted his time and mine by not being able to understand simple business structures. They only understand a group certificate and accountting 1.01 . Do youself a favour, read the other reviews, listen to the nightmare experiences. Any benefit this card offers is far outweighed by the time wasting, incompetent service. Liberate yourself and don't get hung up with chasing the elusive Virgin deals that evaporate like a mirage. Go another points card, I did and am very happy and just enjoy the Virgin flights

Administration, application process and imcompitence