As a new customer, I'm still waiting for my card and so far, my experience has been quite underwhelming. I aimed to save on interest for a few months with a 0% card offer after moving houses. I noticed a guaranteed credit limit through a credit service where I have an excellent score. However, the processing was slow, and I received an email over the weekend instructing me to call, but I had to wait until Monday. They claimed my address was incorrect (which it wasn't) and asked several more questions. After that, another day passed, and I received an email stating that the credit limit was only three-quarters of what was guaranteed. Now, I have to wait 7-10 business days for the card before I can even log into the app (no virtual card available). This feels like the slowest financial institution in 2026. At this point, it may be too late to continue, and I might just cancel and seek alternatives, but now there's a hard inquiry on my credit file. Additionally, I still haven't received the 0% terms and conditions, making me uncertain if what I applied for is accurate, as their offers seem to vary widely. It could take another two weeks to find out? This could definitely be improved!
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Virgin Money is the UK’s 6th largest bank and a proud member of the Virgin Group. By making banking better, we aim to deliver on our purpose of ‘Making you happier about money’, offering award-winning products and services to meet the full range of our 6.6m customers' retail and business banking needs. Our strategic ambition is to be the UK’s best digital bank.
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