Write a review

118 118 Money: Credit Card reviews

Name: Credit Card
Rating: 2.6 (45 reviews)

View other 118 118 Money products

2.31

Based on 45 reviews, last reviewed 24th May 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

33%

56%

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

High interest rates and change standard charges with... High interest rates and change standard charges with high increase Reviewed on: 21st February 2024

Read all reviews See your review

About this product

118 118 Money Credit Card reviews (45)

Review of the 118 118 Money, Credit Card:

Very high interest

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

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

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

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub