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118 118 Money: Credit Card reviews

Name: Credit Card
Rating: 2.54 (48 reviews)

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2.20

Based on 48 reviews, last reviewed 5th Mar 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

31%

57%

Latest highest rating:

5

Really helpful and easy to use app Really helpful and easy to use app Reviewed on: 24th May 2024

Latest lowest rating:

1

details lost , not reported properly, asking for ide... details lost , not reported properly, asking for identification so many times, kept waiting on the phone for an hour with different people still no re... Read more Reviewed on: 1st March 2025

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About this product

118 118 Money Credit Card reviews (48)

Review of the 118 118 Money, Credit Card:

Difficult to get it card unblocked

If I use the card, I clear it at the end of the month so the comments about high interest dont affect me. Having said that, ive had the card for a couple of years, never gone over my limit, always paid on time - usually clearing it. Never had a limit increase. Biggest issue with them is the random blocking if the card for a potentially fraudulent transaction. Nonproblem with them being overly careful, but when have to spend 90 minutes on their useless chat service to get it unblocked it becomes a problem. Imagine paying in a restaurant and your card is declined? Theyd be charging you rent before you get it resolved. Reviewed on: 5th March 2025

They keep blocking my credit card

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

Worst customer service I've ever encountered.

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

Just dont....

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

Cost of living and poor communication

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

the lowest commission

zero commission at times and for any transaction outside the UK, both for payment and for withdrawing cash from the ATM Reviewed on: 11th April 2023

best company

i love this product easy to use and to many benefits Reviewed on: 11th April 2023

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

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