Write a review

118 118 Money: Credit Card reviews

Name: Credit Card
Rating: 2.54 (48 reviews)

View other 118 118 Money products

2.20

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

Read all reviews See your review

About this product

118 118 Money Credit Card reviews (48)

Review of the 118 118 Money, Credit Card:

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 resolution, however they still want monthly payment but then you can’t have access to Reviewed on: 1st March 2025

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

No good card

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

Really helpful and easy to use app

Really helpful and easy to use app Reviewed on: 24th May 2024

High interest rates and change standard charges with...

High interest rates and change standard charges with high increase Reviewed on: 21st February 2024

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

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

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

Always consider my needs and Taylor my credit limits very pleased Reviewed on: 11th January 2024

Awful Company, Stay away!

Never have I experienced anything as bad as this shower, extortionate charges, theyt agree one thing and do another, case won at FOC. AS for closing the account, omg, pathetic. An experience I will not be repeating. Reviewed on: 24th October 2023

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

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

Black Diamond Visa
from Vanquis 4.82 from 8 reviews
Advance Credit Card
from Lloyds Bank 3.94 from 57 reviews
PayPal Credit
from PayPal 4.92 from 30759 reviews

There's still more to see!

118 118 Money has a range of products available. Check the ratings of each product to find the right one for you. 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