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118 118 Money: Credit card reviews

View other 118 118 Money products
4.85
Based on 5,281 reviews, last reviewed 21st Apr 2026
370500% increase in 5 star reviews
in the past 90 days
2200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
89%
See only 4 star reviews
9%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Is excellent in everything, I don’t have problems wi... Is excellent in everything, I don’t have problems with the bank Reviewed on: 21st April 2026
Andreina torres's avatar
Andreina torres

Latest lowest rating:

1

Worst experience ever, card frozen from 2nd day. Worst experience ever, card frozen from 2nd day. Several attempts to resolve it with customer service, 0 compliance or help. Reviewed on: 20th April 2026
A H's avatar
A H
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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 (5281)

Great customer service and offers are good.

5
Great customer service and offers are good. Reviewed on: 15th April 2025
Ian H's avatar
Ian H

all good - communication and app

5
all good - communication and app Reviewed on: 15th April 2025
Brian Harries's avatar
Brian Harries

Easy app and good customer service

5
Easy app and good customer service Reviewed on: 15th April 2025
Laurie W's avatar
Laurie W

Difficult to get it card unblocked

3
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
Tom H's avatar
Tom H

details lost , not reported properly, asking for ide...

1
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
Joyful J's avatar
Joyful J

No good card

1
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
Dave J's avatar
Dave J

Really helpful and easy to use app

5
Really helpful and easy to use app Reviewed on: 24th May 2024
Mike's avatar
Mike

High interest rates and change standard charges with...

1
High interest rates and change standard charges with high increase Reviewed on: 21st February 2024
Mary E's avatar
Mary E

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

1
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
Mr T's avatar
Mr T

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

5
Always consider my needs and Taylor my credit limits very pleased Reviewed on: 11th January 2024
Richard Hall 's avatar
Richard Hall

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