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118 118 Money: Credit Card reviews

Name: Credit Card
Rating: 2.54 (48 reviews)

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2.12

Based on 48 reviews, last reviewed 5th Mar 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

31%

57%

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

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 re... Read more Reviewed on: 1st March 2025

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About this product

118 118 Money Credit Card reviews (48)

Review of the 118 118 Money, Credit Card:

Difficult to get it card unblocked

If I use the card, I clear it at the end of the month so the comments about high interest dont affect me. Having said that, ive had the card for a couple of years, never gone over my limit, always paid on time - usually clearing it. Never had a limit increase. Biggest issue with them is the random blocking if the card for a potentially fraudulent transaction. Nonproblem with them being overly careful, but when have to spend 90 minutes on their useless chat service to get it unblocked it becomes a problem. Imagine paying in a restaurant and your card is declined? Theyd be charging you rent before you get it resolved. Reviewed on: 5th March 2025

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

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