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I've been having some problems with my Virgin credit card recently and not sure where I stand. The obvious thing to do would be to ring them but Ive just spent 45 minutes on hold to a national rate line before hanging up so thought I'd post my annoyance here!
It all started about 2 months when I lost my Virgin credit card. I rang them to report the card lost and they said that they would cancel it for me. Anyway, three weeks later I still had no replacement card so I rang them and discovered that the original card was still active! The only saving grace was that it hadn't been used.
I ordered a new credit card and it arrived very quickly in the post. I never even opened the letter as I knew what it was and dont generally take the card out unless I need it. So around my normal credit card payment time I logged into my account like I always do and noticed that the balance was at zero and there was nothing to pay. I assumed that the reason for this was that they had transferred the balance to the new card which would be on my account shortly. It said on screen that that no payments were due so I thought nothing more of it.
£150 of late payment charges - I couldn't get through to anyone to query these charges
A week later the same again, another week and another week. As nice as it was not having to pay, I thought I best call them up to find out what was going on. I type in my card number only to find that I have been hit with about £150 of late payment charges! To make matters worse I couldn't get through to anyone to query these charges. Stuck on hold, don't you just love it?
I wasn't aware that not only do I get issued a new credit card number, but I also have to set up a new account for the new card in order to view financial details! Is it that unrealistic of me to assume that the old card details would get discarded and the new ones added to my existing online account? I wouldn't have thought so. So I thought I would try and set up the new card, typed in all the details and low and behold I received the dreaded message: 'Our servers are currently unavailable'.
I'm not quite sure what to do now. I quite happily paid off my arrears for the month which I thought I was getting free but I am not happy about having to pay these charges! Should I just accept the shafting as I knew that I should have made a payment a few weeks ago? I am not aware of any letters being sent to the family home where the card is registered.
I have since found a free phone number which is a small consolation but I have better things to do than spending half an hour holding a telephone. My credit card is now over its limit so I am concerned that I am going to keep getting hit my more charges until I conjure up almost £200!
I don't know how Richard Branson sleeps at night. Probably quite well on his pillow stuffed with my 20 notes!
By: Steve L