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

Nice marketing and initial ease of applying online. No App, or Iphone friendly login screen makes this feel so Shonky. Was continually called over some initial approval forms despite giving a timeframe where I’d respond by, it felt a bit desperate.

I had to call ten times to check on the status of my CC application, I was never contacted. Three times I was asked to provide more info during these calls and the application went through before I had supplied the info. During this time I was told my wage had been submitted as $4000 per year. When I called the help line to check what other errors had been made, no apology or explanation was offered just a set script was repeated. After all this I received a letter stating they could not match me with the credit check. So know I'm left wondering if my application was against someone else.

I am writing this review based on Virgin money income protection plan that was sold me. I understand this thread is not related to this program but more for the Virgin money card. Could not find a proper group hence mentioning it here. We as customers are just being tricked to fall into this loop and when we go for cancellation they have 101 reasons to provide. I have cancelled my service and Virgin money have nicely taken money from my account. Nice way to run a business.

I was moving house and starting a new job which is why I needed to use the credit card. Virgin froze my online banking because they wanted me to phone them consequently I could not log into the online banking and lost the 0% interest rate, essentially because they did not E-mail me. Then I move abroad and had more difficulty paying the card off from an overseas bank account. I now have an Amex credit card which is much easier to use.

After I had to identify $22,000 worth of fraudulent activity on the Virgin Money credit card. After 3+ months Virgin Money is yet to resolve this. This company is not proactive in its communication, does not have adequate systems in place to resolve or identify fraud quickly and does not value its long-term customers.

Too much messing around on the application. Other companies are far more streamlined on application. I gave up in the end.

Never sign up with Virgin Credit Card or anything else for that matter.
They suck you in, it is impossible to negotiate with them.
Wont say to much more for defamation issues, but you have been warned

Unfortunately, my experience with Virgin has been anything but impressive. I signed on purely for a reward point offer they had early June 2017, only to find out recently that they put a different offer on my card. They are now stating they have no recollection of the previous offer, and that the calls they made to me to acquire the final bits of information where they stated exactly what offer I was receiving (or apparently not) didn't exist, and were not recorded, despite all calls being recorded.
Would not recommend.

Applied 6 days ago...had to call them to provide details that their application did not ask.... it reminded me of my third world country heritage..where you have to call or visit the office to make your file/application move from one office/stage to the next. Called them to give info...called them to remind to do verification...called them to forward to assessing team.. I think i will call them tomorrow to open the file...
In past I applied for 7 credit cards ...all approved...upto $30 limits for some. Closed the cards and got the new once to avail interest free offers. This time i gambled on Virgin despite reading the reviews bcoz no other card is offering 12 months on purchases.... stressed out ...

Please stay away, the most unprofessional bank institution I have ever dealt with. I very badly felt regretting that I have dealt with Virgin Money card, after 8 business days without response I have not even been updated and I gave them a call the consultant could not even update me professionally. i have sent hard copy of my documents which I am worried about and the lady could not even confirm if they have received it. Same balance transfer fee deals available at all the banks so the most terrible experience please stay away from it.

You would think Virgin would want a $12,000 cheque? Wrong address info provided 5 times - 1 cheque already lost and customer service not prepared to email me a correct address to send a bank cheque to. I am still waiting for a manager at an Australian office to return my call 5 days after I was told this would happen, and in the meantime Virgin have told me I will accrue late payment fees! I will close this account and warn anyone in Australia not to use Virgin Money.

I've had this card for over 12 months and had no issues, I thought the application process was clunky and intrusive and I did get approved, to date so far no issues. I do like having a no fee card and I pay in full before the due date so I don't get stung with any interest.