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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.

Review 118 118 Money: Credit card now

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118 118 Money Credit card reviews (2637)

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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