Write a review

Go to business site

118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2637 reviews)

View other 118 118 Money products

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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

118 118 Money Credit card reviews (2637)

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

Misleading information

Totally misleading information Bonnard you with loans offers you apply and computer says no Reviewed on: 14th August 2022

Worst card company

Got this card for a balance transfer, completed the transfer and destroyed the card. Yet they have damaged my credit file by marking a cash withdrawal as being made. After speaking on live chat and sending the conversation from exifax to them i’v still not been contacted by anyone regarding getting this sorted. needless to say I will be closing the account next month after clearing the balance. Avoid these fraud masters and their damaging ways Reviewed on: 3rd July 2022

thieves

I called to cancel my credit card, was told the card was canceled. After 16 days, there is a new payment on the card, I called 2 more times, each time the service canceled the card, the call was dropped. In the meantime, I was sending e-mails, of course without a reply. card not withdrawn so far, BE CAREFUL !!! Reviewed on: 26th June 2022

Clueless

After 5 phone calls over the last few days I have been told 5 different thing by 5 different people...clueless Reviewed on: 13th June 2022

Awful company.

Shocking company. No one to speak to, e mails are ignored. I am a cancer patient and they have no compassion, still sending threatening letters whilst an application to write off the balance is pending, and they refuse to answer e mails complaining. Phone calls are constantly met with the answer of, sorry no one is available at the moment. This has been going on for weeks. I have reported their lack of customer care and availability to the FCA. Stay away.!! Reviewed on: 2nd June 2022

Appalling customer service

I have a card and I am with no outstanding balance but unable To use it. There is no customer services available to discuss with as all agents are busy whatever time of calling , day or night. They have a chat system that disappears as you get to queue position 2 and you have to start all over again. So disappointing that they have not communicated any messages / instructions to customers. They obviously have some serious breach but don’t feel it necessary to at least discuss the basic problems or options available to its customers. Reviewed on: 6th April 2022

Contact Centre - Unable to speak to contact centre!

Contact centre lets you run through options, then once through states no one available call back later. This is during business hours. Tried contact function on app and website. No joy in contacting anyone. Reviewed on: 18th March 2022

Do you have a different 118 118 Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Freedom Rewards Credit Card
from Barclaycard 3.90 from 61 reviews
Credit builder card
from thimbl. 4.88 from 18 reviews
Select Credit Card
from Nationwide 3.63 from 10 reviews

Want to see more from 118 118 Money?

Personal loan
from 118 118 Money 4.89 from 2794 reviews

View all products

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