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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5640 reviews)

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4.73

Based on 5,640 reviews, last reviewed 11th Jun 2026

402600% increase in 5 star reviews

in the past 90 days

2200% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Excellent app and always easy to use Excellent app and always easy to use Reviewed on: 11th June 2026

Latest lowest rating:

2

So bad experience with 118 customer service So bad experience with 118 . I payed money to my card account for more that a month. It never appear in my apps account t that I made such a payment .... Read more Reviewed on: 1st May 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 (5640)

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

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

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