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How to apply for a 118 118 Money Credit Card

118118Money.com
  • Simple process
  • Bad credit considered
  • Check your eligibility with no impact to your credit score
Check my eligibility This won't affect your credit score

Representative example: Amount of credit £1,200. Interest rate: 34.0% pa (variable) Representative 34.0% APR (variable)

How to apply for a credit card in the UK with 118 118 Money

To be considered for  a credit card with 118 118 Money, you need to apply online. You can begin the process by using our credit card eligibility checker, this will let you know if you’re likely to be accepted or not without impacting your credit rating.

Should you choose to complete a full application, we’ll ask you to provide a few more details about yourself and your financial situation, we also conduct a credit check as part of the full application.

As part of the process, we’ll ask you to read the following important documents:

  • Summary Box
  • Important Information About Your Credit Card
  • Pre-Contract Credit Information

You should read these carefully before deciding whether applying for a credit card is the right way for you to go. You can also use these documents to compare products to ensure it is right for your circumstances. If it is, you’ll need to read the Credit Card Agreement and tick the box to sign and enter into that agreement and confirm you are happy with its terms.

Apply for a credit card from 118 118 Money
Use our Eligibility check to find out what credit limit we'll offer you before you apply, without affecting your credit rating!
Check my eligibility This won't affect your credit score
118118Money.com
What is the 118 118 Money Credit Card?

We believe that everyone should have access to credit at a fair and affordable price. That’s why we created the 118 118 Money Credit Card.

Here are just a few of the benefits you can expect if you’re successful in your application for a credit card with 118 118 Money:

A credit limit of up to £2,000 to give you the flexibility you need.

Guaranteed APR for complete transparency around your repayments.

With this 118 118 Money Credit Card there are absolutely zero fees from us for cash withdrawals, foreign transactions, balance transfers, late repayments and more. Third party vendors may have their own charges. An example of this is an ATM where a usage fee could apply.

Up to 51 days interest-free on withdrawals and purchases if you pay your balance in full each month.

You can also apply for a credit card with bad credit and look to build your score by consistently paying your bill in full and on time.

We like to keep everything nice and easy, and that starts with our application process. So, read on to find out more about how to apply for a credit card, our eligibility criteria and what happens once we make a decision.

118118Money.com

Guaranteed Rate, Credit Limit and Zero Fees*

  • Credit card for balance transfers
  • No fees
  • Check your eligibility with no impact to your credit score
Check my eligibility *We do not charge any fees. However, third party vendors may have their own charges. An example of this is an ATM where a usage fee could apply.

How do I know if I’m eligible to apply for a credit card?

Before you begin, head to our eligibility checker. This will give you an indication of whether you’ll be approved and the credit limit we’d be able to offer. And don’t worry, using the tool will have no impact on your credit score.

To apply for a credit card in the UK with 118 118 Money, you'll need to:

  • Be between 18 and 70 years old
  • Earn at least £8,400 a year
  • Live in the UK permanently
  • Not currently be in arrears with another lender
  • Have had no default payments in the last six months

What details will I need to give when I apply for a credit card?

When you apply for your credit card, we’ll need you to provide us with a few basic details about yourself as part of our pre-application eligibility check. These include your:

  • Name
  • Email address
  • Date of birth
  • Current employment and residential status
  • Net monthly income
  • Outgoings
  • Home address

What types of credit card can I apply for?

We know that not everyone’s needs are the same. That’s why we offer a number of different types of benefits through our credit card. Of course, before you make any final decisions, it’s important that you understand the features of a 118 118 Money Credit Card and whether these are suitable for you. Follow the links below to find more information on:

Can I apply for a credit card with bad credit?

Yes, you can apply for a credit card with bad or low credit. We will look beyond your score when we review your application, because we believe everyone should have access to credit at a fair and affordable price.

Of course, we can never 100% guarantee that you will be accepted as each application will be looked at in its own right. But rest assured we do consider applications from those with a less-than-perfect credit rating.

Will applying for a credit card affect my credit rating?

Applying for a credit card can impact your rating. Each full application leaves a mark on your credit file, too many searches in a short period can therefore have a negative impact on your credit score. Remember: you can use our eligibility checker before you apply to see if you are likely to be approved - this won't affect your credit score. 

And, if you are approved and you repay your monthly repayments on time, it can help improve your rating because it shows lenders that you’re responsible with credit.

A full application does require a credit check which will be visible to other lenders.

How do you decide if my application is approved or not?

When you apply for a credit card with 118 118 Money, your success is based on your credit profile and other publicly available information. These include your presence on the electoral register as well as any county court judgments. Of course, the better your credit profile, the more likely you are to be approved.

Apply for a credit card in the UK with 118 118 Money

Before you apply, use our eligibility checker to find out if you’ll be accepted and what credit limit we can offer you. And don’t worry, it won’t have any impact on your credit rating.

Apply for a 118 118 Money Credit Card

Want to apply for a credit card with 118 118 Money?
You can try our eligibility check first to see if you’ll be accepted before you apply without affecting your credit rating.

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FAQs about how to apply for a credit card

When you use our eligibility checker, your credit score will not be affected. However, if you do go ahead and apply for a credit card, then a full credit check will be completed. We are a regulated lender, and we have a duty to make sure we are lending responsibly.

No, we do not accept applications via the phone, only online.

We will consider your application as long as you don’t have an active card with us. You can only have one 118 118 Money Credit Card at a time

If you apply for a credit card and are approved but then change your mind, it’s quite an easy decision to reverse. You’ll have 14 days to withdraw from the Credit Agreement, starting from the day after you signed it.

So, if you do want to change your mind, you can write to us at:
118 118 Money, PO Box 10556, 51 Saffron Road, Wigston, LE18 9FR.

Alternatively, you can give us a call on 08000 118 222 or 02920 548176*.

If you have any balance you need to pay back, you’ll need to do so within 30 days before we can close your card. If the balance is zero, we can close the account down straight away and make sure your application doesn’t appear on your credit history.

*0800 numbers are free from UK landlines and mobiles. 02920 numbers are charged by your provider as a UK national number.

If your application is approved, you should get your credit card and PIN through the post within 10 days. They will arrive separately, for security reasons.

So, now you know how to apply for a credit card with 118 118 Money and what the process involves. Before you apply, use our eligibility checker to see if you’ll be accepted and find out what credit limit we can offer – all without affecting your credit rating.

118118Money.com

Ready to apply for a card with 118 118 Money?

See if you’ll be accepted before you apply and find out what credit limit we'll offer you without affecting your credit rating!

118118Money.com