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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2637 reviews)

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4.86

Based on 2,637 reviews, last reviewed 5th Apr 2026

138500% 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:

4

Easy to use Easy to use and had no issues. Would recommend to others Reviewed on: 5th 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 (2637)

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 resolution, however they still want monthly payment but then you can’t have access to Reviewed on: 1st March 2025

No good card

Had the. Same credit limit for over a year.My credit score is imperfect and give me a rubbish.Two hundred and fifty pound , which has infected my credit score Rubbish card not Recommended Reviewed on: 5th February 2025

Really helpful and easy to use app

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

High interest rates and change standard charges with...

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

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

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

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

Always consider my needs and Taylor my credit limits very pleased Reviewed on: 11th January 2024

Awful Company, Stay away!

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

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

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

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

Shocking company to deal with

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

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