Got a new Credit Card - I am Livid

born_again wrote: »

Remember that credit score means nothing to a lender. Which is why 118118 let you have the card.

118118 let them have the card because they target people with poor credit histories, those people will also have poor credit scores.

SuperAllyB wrote: »

You would almost think that card providers would have a tick box on applications to confirm that applicants had read the small print!

Asking "do you understand what we've done our best to hide from you?" is about as helpful as someone who asks "do you understand what I just said?".

They say

"When we say zero fees,* we mean it."

"*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."

I wonder what card they issued...

https://www.118118money.com/credit-card-faqs/

118 118 CREDIT CARD – GUARANTEED RATE CARD
HOW DOES THE GUARANTEED RATE CARD WORK?
The guaranteed rate card has one interest rate for purchases, cash, balance transfers, and money transfers. Uniquely, the credit card has an interest-free period on all transactions including cash withdrawals— all with zero fees!

118 118 CREDIT CARD – SIMPLE MONTHLY FEE CARD (EXISTING CUSTOMERS ONLY)
HOW DOES THE SIMPLE MONTHLY FEE CARD WORK?
The simple monthly fee card has one fixed monthly fee and that’s it! There are no interest charges and no other fees. This means that you'll only be charged the same fixed monthly fee each month regardless of how you use your card.