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Review of the 118 118 Money, Credit card:

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Great for rebuilding credit

While the APR feels a little high, I appreciate that they’re chiefly lending to people trying to build their credit score. I got a card with them just after finalising an IVA and I’m really glad I did as it’s done wonders for my credit score. The app is very useful and I’ve had a couple of credit limit increases to recognise my responsible lending, and they’ve been really helpful in rebuilding my financial confidence. Reviewed on: 30th March 2026

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