Virgin Money No Annual Fee Visa

Good for those with low income. Does what it says. Although i think the website could be a bit better design wise but functionally works perfectly fine. Only thing i wish this card had was a reward points like the no annual fee coles credit cards do.

Absolutely terrible. Paid off my credit card in full the day prior to the statement coming out. A week later i get slugged a $30 late fee. Ummm what??? i called them, effectively they explained because i'd paid off the card early i was given a fee. WTH! they reversed the $30 but i continued to get calls saying i'd be charged another $30.

Low and behold, my new statement came out today, and i've been charged interest in that period they had mistakenly classed me as being 'late'. I was so angry, i called them and they've promised to credit it back on the next statement but i'll wait and see.

Terrible system. I wouldn't bother. I'm going to cancel mine.

Don't waste your time,they couldn't run down the road let alone run a business, I gave up trying to do the balance transfer.don't answer calls, always on hold then it just hangs up.

This credit card is worked really well for me when I had financial difficulties, they provide great offers such as low interest rate balance transfers, fixed rate loans etc. I had no issues every time I called to customer service they were very polite, helpful and friendly.

Had various trouble with communicating with this company-its like talking to robots!!Do not deal with this company!! If something goes wrong they are unable to solve your problems.They make everything look rosy at the start until you have a problem.

I like this card as there are no annual fees and the rewards points earning system is a lot more generous than most other credit cards particularly the Qantas FF ones. It is easy to use, VISA is accepted in most stores and most stores do not charge CC fee like they would for an AMEX. It is easy to use overseas and each time I use it an email is sent to me straigtht away to help guard against credit card fraud

My advice, don't even apply … I worry these dumb call centre gargoyles have affected my credit rating by declining my application. Like many other reviewers, I had all the right credentials but after multiple calls and emails they still wouldn't approve my application. Dealing with incompetent ignorant liars from some 3rd world call centre. Absolute waste of precious time. Richard Branson, your name is being turned to mud. I won't be using Virgin products anymore.

virgin money no annual fee visa card has great features compare to any other main stream provider's card, especially the acceptance by most of the merchant anywhere in the world. the application process was very simple

I decided to try the travel reward card to get extra velocity points. As a platinum frequent flyer and with substantial net assets and income and a credit score in the 900s I thought getting approved for a mere $6000 credit card would be easy. However, having filled in the fairly basic online application (which doesn’t allow you to enter a lot of your assets) and without being contacted by Virgin I received advice of being declined. I tried to talk to someone in Australia but unfortunately it appears their approval team is overseas. I assume that my being retired and over 65 is held against me. I would recommend that people steer clear of this company.

Application involved 10 phone calls asking the same questions. There is no continuity as far as their records. I got sick of dealing with their overseas call centre. I withdrew my application. Still no application result after 17 days. I applied through a bank. Approved same day!

I have an "excellent" credit score, been on a salary of $100K - $150K for more than 15 years and have only one other credit card with a perfect payment history.
I applied for a Virgin Money credit card to help build up my Velocity points.
After applying and submitting all the required supporting documents I heard nothing for a week. I rang the call centre and was told by someone who could barely speak English that my application was rejected and that they could not provide any further explanation.
I then applied for a Qantas affiliated rewards card which was conditionally approved instantaneously and received within one week of my payslips being submitted.
Work that out.

Applied for Virgin Money credit card twice over the years, most recent last week and was rejected both times. Apparently impeccable reddit rating and working full time for the government for ten years is not enough job security. Tell me what is enough then please. No don’t, I want nothing to do with you.

Please get people who can speak english especially if they are the people that decides who gets application approved or not.... Not looking forward to contact their customer service for existing customers.

I had a Virgin money Visa as an emergency back up card (for if my main card is lost or stolen). When it expired they didn't send a replacement or notify me. So when I NEEDED it when my other card was lost it had expired. I rang them and they said I didn't use it so they won't be issuing me a new one. Wow! For the cost of a piece of plastic, they don't want my future business, never ever using Virgin Money for anything again.

Stay away from Virgin Money credit card. They are disgraceful, no customer services at all. We have lodged a dispute for a number of transactions which someone has used the card without having the card physically. Virgin Money said they will reverse them, but we have received 2 statements later on which show Virgin Money actually debited back some fraud transactions and charging us!!! We rang the call centre many times and they promised they will reverse and call us - NEVER happened at all. People at the call centre lie and never do what they promised. They just don't care at all. Don't bother having this card - too risky and it will waste your time and money for sure!!!!

Don't bother disgraceful service and no one contacted under the complaints both online and being escalated to a supervisor which obviously does not exist.
Shop elsewhere I don't know why I bothered go to Qantas.

You are better off getting it elsewhere. The application process is awful and you won't know the progress of your application until you contact them. Affiliated to citi bank and an absolute waste of time