Really helpful and easy to use app

High interest rates and change standard charges with high increase

I've had a complete nightmare with 118 credit card. They keep on taking minimum payment twice which puts me in an unaranged overdraft and tell... I've had a complete nightmare with 118 credit card. They keep on taking minimum payment twice which puts me in an unaranged overdraft and tell me it will take 3 days to refund the payment. Under no circumstances set up a direct debit for minimum payment. Make your payment manually. Read more Read less

Always consider my needs and Taylor my credit limits very pleased

Can’t give less otherwise I would. Continuous problems with this company, continuous mistakes on a weekly basis. Just been on their chat and the agent... Can’t give less otherwise I would. Continuous problems with this company, continuous mistakes on a weekly basis. Just been on their chat and the agent cut me off half way through a conversation with nothing solved. Avoid avoid avoid. They made mistakes on my account which was frozen while under investigation due to mistakes on there half and marked my credit file 3 times, even when I phoned there agents they advised me not to pay until the investigation was completed, (investigation was due to mistakes they had made) I won on both cases, I got compensation and the agreement of my credit file marking to be removed, still waiting for them to remove credit file marking 6 months later. Don’t use this company absolute cowboys. Worst credit card company I’ve ever used! Update on the issues I had with 118, they still haven’t done a thing. They said they contacted credit reference agency and could take 90 days to remove the missed payments I didn’t miss off my credit file. Dead line for 90 days was dec 14, 2023. It’s now 10th Jan 2024 and still nothing. I’ve asked for proof that they actually contacted CRA and nothing. I’ve given them till 31st Jan then legal action will start. When it becomes 5th Feb it’s been a year. Avoid avoid avoid. Biggest cowboys out there. Your safer taking a loan off loan Read more Read less

Never have I experienced anything as bad as this shower, extortionate charges, theyt agree one thing and do another, case won at FOC. AS for... Never have I experienced anything as bad as this shower, extortionate charges, theyt agree one thing and do another, case won at FOC. AS for closing the account, omg, pathetic. An experience I will not be repeating. Read more Read less

Shocking. After paying off my credit card balance in full for the amount of £1900, another duplicate payment was taken through my direct debit, which... Shocking. After paying off my credit card balance in full for the amount of £1900, another duplicate payment was taken through my direct debit, which left me £1,600 overdrawn in my bank account. Furthermore, my 118 1118 credit card was blocked and I was told it would take 5 business days for both the block to me removed, and for the duplicate payment to be returned to my bank account. Meanwhile I was left with no money to pay for daily living expenses. Customer service is appalling. This company needs to be investigated. Read more Read less

The interest rate is absolutely shocking I’ve not used my card this month yet they charge a minimum £70/£80 a month on top of your... The interest rate is absolutely shocking I’ve not used my card this month yet they charge a minimum £70/£80 a month on top of your minimum payment this month my bill is £170 wish I’d looked elsewhere daylight robbery Read more Read less

Good ap very izi aces to aucat verry good company