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118 118 Money: Credit Card reviews

Name: Credit Card
Rating: 4.78 (1101 reviews)

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4.84

Based on 1,101 reviews, last reviewed 12th Jun 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

Credit card Excellent service and an excellent application very easy to use,would recommend them to my family and friends. Reviewed on: 12th June 2025

Latest lowest rating:

1

bumped the apr up to 50%, i would never have conside... bumped the apr up to 50%, i would never have considered applying for a credit card with such a ludicrous rate Reviewed on: 15th April 2025

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118 118 Money Credit Card reviews (1101)

Great credit card

This card gives you flexibility and many options to pay even if you miss a payment they give you two more opportunities before your credit score is affected Reviewed on: 22nd February 2023

Worst credit card I have had misfortune to aquire now gone yippee

Could not use app unless put extra security on phone Raised interest rates when ever they fancied. Should have realised remembering the rubbish 118 phone adverts from TV Reviewed on: 31st January 2023

Payment

Changes repayment date fairly frequently Reviewed on: 14th January 2023

outrageous increase

outrageous increase in credit apr ..i took out a card with them at 34 percent apr ...and in one go they increased the apr to 49 percent ..what a con Reviewed on: 11th January 2023

Fraudsters & Liars

Fraudsters and Liars - Conmen As long as there are no issues, they are fine. Any fraud on your card, and they behave like gangsters. Never reply to emails, force you to pay and break every law connected to consumer credit. I reported fraud after transactions appeared 3000 miles from where I was with the card. They claim I made the transactions (all physical) - which would have required me to be in 2 different countries and three different locations at one time or required me to have 3 different cards on my account. This included transactions that took the account 100% above its limit and should never have been authorised. Then they wrote to me saying that despite never having missed a payment, and having paid the balance in full every month for over 2 years that they didn't believe I would pay my balance so were closing my account. It would be reported as a default if I didn't pay the fraudulent transactions. Now having to pay because I can't afford to risk my credit rating. Reviewed on: 19th November 2022

118 Money Ruined my perfect credit file

Took out a card with a £1200 credit limit just to use as a holiday buffer. During Covid I applied to them for a payment holiday. This was accepted and they notified me in writing. Some months later I searched my credit file and 118 Money had put me in DEFAULT for not paying my credit card. I checked my paperwork and then contacted them. They sent me an email which formerly apologised then offered me £150 in compensation. They told me they would remove the mark from my credit history, and I stupidly trusted them to do so. I recently applied for a remortgage due to the spiraling interest rates. Santander declined stating I had a default! I checked and sure enough 118 Money HAD NOT REMOVED THE DEFAULT from my credit file. This time they offered me another £150 and a written apology. I am not accepting this and I will take them to the local court, as I have paid thousands extra now due to my mortgage rate increase, which I would have been able to deal with had I remortgaged earlier. DO NOT USE THIS COMPANY THEY WILL RUIN YOUR CREDIT FILE AND THEN DO NOTHING TO REPAIR IT. Reviewed on: 31st October 2022

THE WROST COMPANY EVER

THE WORST COMPANY EVER STILL HAVE ONGOING ISSUES Reviewed on: 11th October 2022

Misleading information

Totally misleading information Bonnard you with loans offers you apply and computer says no Reviewed on: 14th August 2022

Worst card company

Got this card for a balance transfer, completed the transfer and destroyed the card. Yet they have damaged my credit file by marking a cash withdrawal as being made. After speaking on live chat and sending the conversation from exifax to them i’v still not been contacted by anyone regarding getting this sorted. needless to say I will be closing the account next month after clearing the balance. Avoid these fraud masters and their damaging ways Reviewed on: 3rd July 2022

thieves

I called to cancel my credit card, was told the card was canceled. After 16 days, there is a new payment on the card, I called 2 more times, each time the service canceled the card, the call was dropped. In the meantime, I was sending e-mails, of course without a reply. card not withdrawn so far, BE CAREFUL !!! Reviewed on: 26th June 2022

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