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The mobile version had 576 million monthly active users as of the end of 2014, an increase of 33 per cent over a year earlier.

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Northern Rock clients had better watch out.” A spokesman for Virgin Money insisted that the changes would affect some but not all customers.

He added the changes to the interest rates were not connected to the takeover of Northern Rock.

Tencent has since expanded the app into a mobile platform, with payment, gaming and social media services.

Tencent’s QQ was first released in 1999 under the name of OICQ, which was changed to QQ after the threat of a trademark infringement lawsuit by ICQ, the owned by AOL.

Rates on purchases using Virgin credit cards, provided by MBNA, have soared from 16.8pc to 24.9pc. Virgin has also increased rates on balance transfers, from 18.9pc to 27.9pc.

The move has been criticised by Virgin Money’s customers and comes just days after mortgage lenders, such as Halifax, raised their standard variable rates, pushing up monthly payments for tens of thousands of home owners.offers four different international shipping methods: NOTE: Netherlands Direct Mail has been combined into the Priority Direct Mail.If you are in a European country; simply choose Priority Direct Mail and it will be shipped via Netherlands Direct Mail.If we raise a customer’s rate based on risk, we notify them in advance and they can reject the new rate and pay off the outstanding balance at the existing rate.This is in accordance with the industry principles, which we fully adhere to.” Industry experts warned Virgin Money was unlikely to be the only company to increase rates as providers “tighten up their underwriting and acceptance criteria” following the financial crisis.One Virgin Money customer told The Daily Telegraph: “The sheep’s clothing is gone.

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