Avoid this company. In a period when interest rates are falling and the cost of borrowing cheaper, this company takes it upon itself to raise interest rates, significantly, £0.28p per every... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
I called customer service as I lost my job and couldn’t afford to pay the monthly direct debit and everyone I spoke to was lovely! In the end I’ve been offered a holiday which will prevent me from bei... See more
Company replied
Always kept account up to scratch and never used full amount...today credit limit reduced as they told me I didn’t need my credit limit so high..what an excuse, so if you are a good payer you get pena... See more
Company replied
Great credit card with no problem transactions, easy secure website to follow transactions and payments plus the same can be said for the mobile app. Easy to contact support should a query arise, o... See more
Company details
Information provided by various external sources
One card for all your credit essentials. Move cash into your bank account with Money Transfers (Fees and Terms apply)
Contact info
opus Customer Services PO Box 171, S98 1JS, Sheffield, United Kingdom
- 0333 414 1077
- www.opuscard.co.uk
2.9
Average
131 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Hasn’t replied to negative reviews
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
There Answer to better credit is to increase interest! How exactly?!
There answer to better credit is to increase intrest rates! Work that one out ? Ive been with them for several years now ive never missed a payment ive always paid well before due dates Ive never made a cash withdrawal ive never gone over my credit limit ive maintained my account to the best of my ability! They request payments and somtimes suggested amounts at a higher amount ok most of the time i make these suggested payments but on the odd occasion when my finances are not the best i make the minimum payment but i always pay ontime! Ive never had an issue with opus until today! cost of living is going through the roof and opus are cashing in on it and are making rediclous excuses to justify their intrest increases. I have a lot to think about now! my future with opus?! I wouldn't be at all surprised if others follow.
July 15, 2022
Unprompted review
Reply from opus card
Hello James,
I'm very sorry to read that you have not had the experience you expected with us. I appreciate the time you have taken to leave us a review.
The interest rate set on your account is subject to assessment when you first open the account and throughout account ownership it will be periodically reviewed - this means that it can go up to down in line with the terms and conditions of the signed agreement.
If you are unsure about the increase and what this means for you and what your options are please don't hesitate to contact us. The easiest way is through our app: More> Help and support> Contact us> Contact us> Chat: Start chat.
All the best,
Mahfooz.
Excellent card easy set up kept updated…
Excellent card easy set up kept updated and very pleased thank you Opus
June 17, 2022
Unprompted review
Reply from opus card
Hey Carolleanne,
We're happy to hear that you've had a positive experience with Opus.
-Mahfooz
Awful….been trying to sign up for the…
Awful….been trying to sign up for the app for days now and just keeps saying currently unavailable. In 21st century UK this is just not acceptable!
May 13, 2022
Unprompted review
Reply from opus card
Hello Andrew,
Thanks for the review, sorry to hear that you haven't had the best experience with us.
We would like to take a look into this further, please call us on: 0333 414 1077. Our opening hours are: Monday-Friday: 9am-7pm, Saturday: 9am-5pm, and Sunday: Closed.
We hope to hear from you soon so we can get this sorted.
All the best,
Mahfooz
been very happy with the card and the…
been very happy with the card and the app is so easy to use
April 2, 2022
Unprompted review
Reply from opus card
Hi Andy,
Thank you for taking the time to leave us a kind review, we appreciate it!
We are delighted to hear that you're happy with your card, and that you are enjoying our app :)
We hope you continue to enjoy our services.
All the best,
Becki
All good service and easy to use thanks…
All good service and easy to use thanks Graham
February 19, 2022
Unprompted review
Reply from opus card
Hi Graham,
Thank you so much for the feedback! We're glad to hear that you're happy with our services and that you find it easy to use.
All the best,
Nicole
Not happy after receiving your latest…
Not happy after receiving your latest letter about being in persistent debt. It only looks bad because you keep putting an extra optional payment and I quote ‘optional’ and I am paying more than my minimal payment and I think in the current climate of covid this is unreasonable and unacceptable.
January 20, 2022
Unprompted review
Reply from opus card
Hello Jane,
Thanks for the review, I am sorry to hear that you've not had the best experience with us.
The Financial Conduct Authority (FCA) has considered ways in which credit card customers can avoid long term debt and created the term ‘Persistent Debt’. Your account will be considered in Persistent Debt if, over the course of the last 18 months, more has been repaid in interest and fees than of your spending. This usually happens when you pay only the contractual minimum payment, or an amount close to it, each month. This can mean it takes a long time to repay your balance, and you will pay a larger amount in interest overall.
When accounts meet the criteria for Persistent Debt, we will let you let you know about this to help ensure the balance is repaid in a reasonable timeframe. We start by promoting a Recommended Extra Payment on the account, which if paid consistently, will bring the account out of Persistent Debt. You can still use your card as normal as long as you stay within your credit limit.
What is the recommended extra payment?
The Financial Conduct Authority requires us to monitor all of our customers' accounts to see how they're managing their repayments. If you have only paid the contractual minimum payment (or an amount close to it) on a regular basis, we may suggest that you make a recommended extra payment on top of your contractual minimum payment. This is to help clear your balance faster and either ensure your account does not fall into Persistent Debt, or help take you out of it.
I hope this clarifies things further, if you have any further questions or queries, please get in touch with us.
All the best,
Mahfooz
Useless and uncontactable
They haven't sent a new card after the old one expired. Can't contact them online or by phone. The only possible option would be snail mail, but I'm not going to bother.
Useless customer service.
Re their reply: I have already wasted hours trying to phone them but I never reach a human. There is no email address. I do not want to use their mobile app. I can't log in without the card expiry date, which I don't have!!
December 9, 2021
Unprompted review
Reply from opus card
Hi there Ian,
Thank you for taking the time out to leave us a review. I'm sorry to hear we've not yet sent a new card out to you. I personally would like to look into this further for you. However, due to system restrictions and security purposes, we are unable to discuss any account specific information via this platform.
You can contact us directly on 0333 414 1077. You can also message us directly via our Mobile app, simply go to:
More> Queries> Chat Now
Opening hours:
Monday-Friday: 9am-7pm
Saturday: 9am-5pm
Sunday: 10am-4pm
We hope to hear from you soon, so that we can get this sorted for you
All the best
Maddi
really bad company
really bad company
No complaint department
CEO office : no response security reason no e-mail response
Financial ombudsman : extend more time no update
FCA : No full contact detail for opus card but permission to do business
December 9, 2021
Unprompted review
Reply from opus card
Hi there Siva,
Thank you for taking the time out to leave us a review. We would more than welcome any feedback you have for us to improve your experience with us
Kind regards
Maddi
One of the best credit cards
November 30, 2021
Unprompted review
Reply from opus card
Hi there,
Thank you for taking the time to leave us a 5 star review - we appreciate it!
We are delighted to hear that you're enjoying your Opus card :)
We hope you continue to enjoy being our customer.
Take care and have a lovely weekend,
Becki
Account closed - irritating and time wasting customer service
Following expiry of my Opus card my replacement would not be accepted for on-line transactions. Twice I was informed ( using the chat service) that this was because merchants were not set up to handle new security requirements. I accepted this. However, I subsequently found that my card was always rejected when used on line and for existing regular monthly payments. I considered something else was wrong with my card.
For clarity and to avoid the time consuming chat system I completed the Opus on line form which, when I pressed ‘send’ told me in that the service was unavailable and my message disappeared. Why could I not be told this before I wasted my time completing it.
Then I used what appeared, as it had it’s own number, to be a dedicated complaints line only to join the usual frustrating pre recorded customer service line (which I used to close my account.)
Finally I received a questionnaire from Opus as to why I had closed my account. After providing an opportunity to describe the problem, this form then asks for the MAIN reason I had closed my account with a selection of choices. None of these choices provided an option to criticise Opus in any way. Thus it is compiled, in my opinion, so as to reduce negative feedback of Opus. Therefore I experienced yet another time wasting and frustrating experience hence my desire to air my complaints here. I have lost confidence in Opus/New Day and would not use their products again.
UPDATE :- thank you, Opus, for your response. However, as stated above,I have already closed my account and see no point in taking this matter further.
October 6, 2021
Unprompted review
Reply from opus card
Hi there, Chris.
I am very sorry to hear you're not happy with our services and that your card has been declining.
If this has been declining in other places, there may be a separate issue with your card. So we can look into this for you, please could you get in touch with us? We can also discuss the matters of a Complaint with you if you are looking to raise this with us.
You can contact us by calling us on 0330 838 0115 or by chatting to us in your mobile app by going to More > Queries > Chat Now.
Telephony opening hours:
Mon-Fri: 9am-7pm
Sat: 9am - 5pm
Sun: Closed
Chat opening hours:
Mon-Fri: 9am-7pm
Sat: 9am-5pm
Sun: 10am-6pm
I understand you aren't satisfied with our chat service, and so if you'd prefer to call, I have supplied the number above.
Have a good weekend.
All the best,
- Matt
A payment was made of £4600 in cash at…
A payment was made of £4600 in cash at their bank and they credited me then added it back on again and no one can find it total bunch of Imbeciles they couldn’t find snow in a snow storm do not have anything to do with this company. Had a update from opus now telling me 13 days for cash to be on your account is acceptable and dismissed my complaint. It’s an absolute white wash opus are totally incompetent of running a credit card correctly I am now taking it further. Never trust this company and avoid them at all costs.
September 30, 2021
Unprompted review
Reply from opus card
Hello Syd,
Thank you for leaving us a review. I'm sorry to hear about the experience that you've had with us. Unfortunately, due to security restrictions, we are unable to view any account details via this platform so I am unable to check this for you. However, if you can please get in touch with us, we would be able to access your account and look into your query further. The easiest way you can get in touch with us is messaging us via the app by selecting More > Queries > Chat Now. If you can also quote Trust Pilot with your Trust Pilot username, this would help us a lot.
All the best,
Nicole
This is possibly the worst Credit Card…
This is possibly the worst Credit Card !!!
Simply, they operate like rabbits in the headlights, its enough, appalling Customer Service, I'm about to clear this account down something I should have done months ago...one minute they set up a so called payment plan, the next minute they are suspending the account.....before the previous agreement is actioned.....and my balance is a few hundred pounds...laughable....
September 7, 2021
Unprompted review
Reply from opus card
Good afternoon, Steven.
I am very sorry to learn of your dissatisfaction.
This is something that we do not like to hear, but if and when it happens, we'll always do all we can to rectify the situation.
I'd like us to look into this further for you and see what we can do to help. I appreciate the frustration that this must have caused and I apologise for any caused.
If you would like to discuss this further with us, then you can contact us by chatting to us in your mobile app by going to More > Queries > Chat Now.
Chat opening hours:
Mon-Fri: 9am-7pm
Sat: 9am-5pm
Sun: 10am-6pm
We hope to hear from you soon.
Take care,
Matt
Great for for building credit
A great no thrills card. The new Payit feature allows you to make payments which are instantly credited towards your outstanding balance. No long clearing process.
June 15, 2021
Unprompted review
Reply from opus card
Hi Ryan,
Thanks for the review, we are happy to hear that our card works for you! :)
all the best,
Mahfooz
A pity that they do not respond to…
A pity that they do not respond to messages.
June 12, 2021
Unprompted review
Reply from opus card
Hi there,
We're very sorry to read that you've not had the experience that you expected with us. Please contact us, so that we can discuss your concerns in further detail.
You can get in touch with us via our app, by going to:
More > Queries > Chat Now
Here, you will be able to connected to an associate who can take a look into this for you. We are unable to discuss matters over here, as this is a public platform, which I trust you appreciate.
We hope to hear from you soon.
Take care,
Becki
Credit Card Excellence!
An excellent card, always there when I need it and accepted first time wherever I shop. I am a very happy customer !
June 11, 2021
Unprompted review
Reply from opus card
Hi
Thank you for taking the time to leave a review, we are delighted to hear about your experience with Opus. It's great to hear that your card works for you too and you are happy with Opus. :)
All the best and take care,
Mahfooz
Great card no problems
Great card no problems. Great customer service when I have had to phone really helpful.
June 11, 2021
Unprompted review
Reply from opus card
Hi Theresa,
Thank you for the review, we are happy to hear that our card works for you and you've not had any problems! should you ever need us - please reach out via secure messaging in-app (the easiest way to access this is: More> Queries > chat now.)
All the best,
Mahfooz
Superb opus card, cut above
Had card for years, no probs whatsoever, other credit card companies have a lot to learn from opus 👍
June 11, 2021
Unprompted review
Reply from opus card
Hi Mohamed,
Thank you for the review, we are happy to hear that you've had a great experience with us and your card works for you! :)
All the best,
Mahfooz
Reply from opus card
Hi Michael,
Thank you for the review, I am glad to hear that your Opus card works for you! :)
All the best,
Mahfooz
Cannot log in to online account…
Cannot log in to online account manager.
Enter user name and then 'Next'. Nothing happens.
Have tried downloading the mobile app but will not allow access. Repeat message saying system is unavailable.
May 12, 2021
Unprompted review
Reply from opus card
Hello Graham,
I'm so sorry that you've been unable to log into your online account. It sounds like it may have been a system error but we would still like to help you get logged in.
Please call us on 0333 414 1077 and we will be able to help you log into your account.
Our opening times are:
Mon - Fri: 9 am - 7 pm
Sat: 9 am - 5 pm
Sun: Closed
I hope this helps you and thank you for leaving a review to let us know,
Take care and all the best,
-Ebony
Amazing company.amazing customer…
Amazing company.amazing customer services. the star rating does not match this company should be 5☆. Amazing alternative to capital one.credit increase regular. prob the best company through covid lock down for help. all i had to do was ask. payment freeze for nearly a year with no massive charges. no drama.no impact on my credit file i love opus and new day. thank you for all your help. HIGHLY RECCOMEND
May 2, 2021
Unprompted review
Reply from opus card
Hi Paul,
Thank you for taking the time to leave a review, we are happy to hear that you've had a great experience with us! :)
all the best,
Mahfooz
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.