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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2465 reviews)

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4.86

Based on 2,465 reviews, last reviewed 1st Apr 2026

124200% increase in 5 star reviews

in the past 90 days

600% increase in 1 star reviews

in the past 90 days

90%

Latest highest rating:

5

118 money has actually sustained in the times of dis... 118 money has actually sustained in the times of distress, managed to take care of my family Reviewed on: 1st April 2026

Latest lowest rating:

1

Terrible! Terrible!!! The APR is so high that if you do the minimum payment you're basically only paying for the interest. Trying to do negotiate is impossible ... Read more Reviewed on: 1st April 2026

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About this product

118 118 Money’s credit cards are designed to help you build and improve your credit score.

If accepted, you’ll be offered a guaranteed personalised credit limit and there are no hidden fees. You can check your eligibility for a 118 118 Money credit card with no impact on your credit score.

118 118 Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used 118 118 Money before, you can also leave a review and share your experience.

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118 118 Money Credit card reviews (2465)

If possible use another lender

I had a credit card and loan with 118 money for a while. Never missed any payments, and then found myself in financial difficulty. I contacted them to tell them that I could not keep up with payments, and that I would have to enter a debt arrangement scheme with a debt charity. Although I was in a debt arrangement scheme they were still being paid back the debt in full, and actually before my final loan payment was due. Even though they were clearly told about my debt arrangement scheme and I was paying the debt charity every month to clear my debt, 118 money sold my debt on to a debt collection company. (Which I found out they legally can do at any point) and even though I’m making monthly payments, on time and full to the debt charity I am now receiving multiple texts, phone calls and emails from a debt collection company for a debt that I am paying back every month. I also never received a letter from 118 Money stating that the debt was sold on. The 118 Money app is terrible to use, it either doesn’t load, or you can’t see balances, you can’t make extra payments through the app or change any details. Also, the contact centre is based in another country. I am not racist at all, but the English they were using was very broken, at times they couldn’t understand me, and I couldn’t understand them. It was very frustrating if I had to phone up about anything. This company basically is very hard to deal with, and the customer service experience was some of the worst I have ever came across. Shop around and try and find another lender before using them. I am now undergoing constant harassment because of them. Even though I am repaying the debt in full. If you miss a few payments, or unfortunately find yourself in financial difficulty, as a lot of people have during this pandemic. I would expect your debt will be sold on. Reviewed on: 10th February 2022

Simple

Simple stress free credit great customer service Reviewed on: 27th January 2022

Fantastic card

Best credit card I’ve ever had no fees no late charges And no charging for cash withdrawals excellent Reviewed on: 25th January 2022

Good

Not too bad. Always ready to help with credit but at a higher cost in terms of rste Reviewed on: 23rd January 2022

Slow

Difficult to terminate my credit card. Reviewed on: 9th October 2021

Excellent Customer Service

118 118 provided me with a credit card and the process of application and subsequent card arrival was both quick and simple. Brilliant app and great experience. Reviewed on: 13th August 2021

100%

Este de mare incredere, o recomand cu incredere! Reviewed on: 22nd March 2021

fantastic

Easy to arrange and helpful if needed Reviewed on: 15th March 2021

Brilliant

Easy service with good customer care Reviewed on: 17th February 2021

Brilliant no fee card

Easy application, process and excellent that there is no fees applied for things such as late payments, using abroad or taking out cash Reviewed on: 17th February 2021

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