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118 118 Money: Credit Card reviews

View other 118 118 Money products
4.83
Based on 1,103 reviews, last reviewed 9th Oct 2025
50% decrease in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
88%
See only 4 star reviews
8%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
3%

Latest highest rating:

5

Having used 118 118 can’t fault the service. Having used 118 118 can’t fault the service. Really helpful and organised. Reviewed on: 23rd September 2025
Anthony d's avatar
Anthony d

Latest lowest rating:

1

I believe this place is getting a lot of reviews. I believe this place is getting a lot of reviews. RemovedThey are a terrible company.Wouldn't recommend low credit no good Reviewed on: 9th October 2025
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Lee
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Review 118 118 Money: Credit Card now

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118 118 Money Credit Card reviews (1103)

I've had a complete nightmare with 118 credit card.

1
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. Reviewed on: 9th February 2024
Mr T's avatar
Mr T

Always consider my needs and Taylor my credit limits...

5
Always consider my needs and Taylor my credit limits very pleased Reviewed on: 11th January 2024
Richard Hall 's avatar
Richard Hall

Awful Company, Stay away!

1
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. Reviewed on: 24th October 2023
Steven Wagner's avatar
Steven Wagner

Shocking - duplicate payments taken and card was blocked for 5 days

1
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. Reviewed on: 2nd October 2023
O H's avatar
O H

Very high interest

1
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 Reviewed on: 19th September 2023
Richard Cook's avatar
Richard Cook

Shocking company to deal with

1
A massive issue with the app, it's rubbish. Ur on hold for 45-50 mins at a time when trying call. Run for the hills. Reviewed on: 2nd June 2023
Mike carver's avatar
Mike carver

They keep blocking my credit card

1
I had an old loan with 118. I had some financial issues in the past, so I went on IVA. That was ended last year in September. All problem starred when I asked 118 to update my credit file and close of the old loan account. Once I brought this problem to they attention since then I have sent in 6 different email stating I'm not on IVA. So they should block my card. I waiting for they final response and then refer the case to Financial ombudsman. Because they excuse doesn't wash with me. Reviewed on: 31st May 2023
Kiss Bene's avatar
Kiss Bene

Worst customer service I've ever encountered.

1
Initial balance transfer was fine. After that, trying to get hold of someone in customer services to do a second transfer was impossible. Will never use them again. Reviewed on: 27th May 2023
Kenyon Jew's avatar
Kenyon Jew

Just dont....

1
Never had any issues doing a balance transfer before. But trying 2 different cards to transfer the balance from the outrageously high card to another credit card, just states an error message. They told me there's a possibility the name and address details ain't an exact match. Definitely made that way so it's impossible to make the transfer. So stuck with them now! Reviewed on: 2nd May 2023
Joanne Collier's avatar
Joanne Collier

Cost of living and poor communication

1
Week if you want a credit card you can’t speak to and have to be in 101 in the que go for it I am now in default because no one gets back to you cheers 118 188 Reviewed on: 16th April 2023
Scott Graham's avatar
Scott Graham

Review 118 118 Money: Credit Card now

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