opus card Reviews 

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 being charged interest but I can still make payments if I wanted. I love how attentive and caring the customer service staff are!

Cancelled account all paid including the. 33 pence Which they did return very good of them!!!!!
That was beginning of November they now want to chat AHH. 7 WKS TO LATE !!!
stay away if you can customer are just there to catch SERVICE IS A JOKE
Would give them no stars if possible

Disgusting customer service. Not used the card in years & think it is in credit (a small plus amount). Lost it out & was concerned so rang...said wait would be 10 mins. 35 mins later brisk man asks questions then goes away for another 15 minutes- comes back says,account blocked & goes to put me on hold again. Not bothered about the block but the wait & the treatment- time to call Watchdog!

Had my card a few months now. Had no issues, the app is quite good, allows you to do everything from your phone.
I'd recommend it if you're thinking of getting one.

My wife got accepted for this card a couple of years ago, however, we never received the card, contacted them, lots of apologies, they will send another one. Nothing, not a thing, yet according to Credit reference agencies she has a card, called emailed, even sent a letter, the reply, sorry, you must call us, called them, told to login to account and deal with it through there, cant, no card no nothing, all we want is this sorted, card and account closed, yet all we get is, you must log into the account manager, enter the card no, how many times, WE DON'T HAVE A CARD, never ever received, that's why it has never been activated, ok, can you tell me the long no on the card please. At this point, gave up, we moved 18 months ago, so i guess they are still sending details to old address, for some one to use, the company hides behind DPA, and will not help to sort this mess out. That's our experience of Opus.

In the interest of fairness an update is necessary. My aunt received a letter from opus apologising and assuring her that her account was closed with a zero balance (26/06/20) I only saw this correspondence yesterday as previously stated she does have Alzheimer's and had put the letter away. I thank opus for resolving this issue promptly, however there was a message that they hadn't in fact received the money paid on Feb 5th 2020. If its still of any use I am still in possession of the receipt and will forward it on to them if requested for their info

No one on the phones know what they are doing! Told me I couldn't ask a question about my partners account because of DPA, he would need to call and add me to the account, he then did that and they said he cannot do that because he could be anyone despite him passing DPA and he would need to write in. I then called back to complain to which another woman said I need to be there when he is doing this, how ridiculous - after then speaking with a manager he said if my partner calls back he can add me - I asked them to call my partner as we have wasted enough time and apparently they could not do this!!! AVOID if you value customer care

I used this credit card and found them really helpful until I needed a refund from a company who are withholding goods which I have paid £437 for!!! Nearly a year later and I still dont have this money back, I cant even get hold of opus and keep getting told someone is going to ring me which never happens. I cant get hold of the company who promised me a refund, now I'm not even getting help from Opus with this case.
Feel really let down by them in the last 6 months. Before this issue I had no problems and always spoke to kind, friendly people. Such a shame this has let them down massively.

Opus sent my account to Cabot so I paid Cabot in full I rang opus to ask them to take the balance off my credit file as they had sold it they told me to ring back next week so I left it 3 weeks rang back explained everything the girl was rude and said if I wasn’t happy to make a complaint I spoke to Cabot who were great and they sent me a letter saying everything was paid I think opus are disgraceful company and I would not advise people to use them these type of companies should be closed down and people’s account sent to another company

I have a Pay down Plan they are supposed to help so called persistent debt, I have never missed a solitary payment over years and years - this organisation doesn't care about customers, I have been ignored for 3 months - while informing me of a Pay Down Plan, which they won't explain how it works, they are charging me a whopping 40.0555% interest per month in a persistent Pay Down situation. 3 month Payment freeze under covid-19 isn't what is seems beware - they still charge interest and want back payments later. Vultures

Great credit card , always been good to me just paid my card off not had my credit limit decreased, will continue to use , thank you opus

Terrible card. Stay clear.

Went over my limit by £4.70 which was paid back as soon as I noticed which was only a few days and they removed my balance transfer offer which is £4k. Surely they shouldn't let a transaction go through if it will take you over the limit set. Every other card I have won't let you go over. Now being charged 34%.

This is there response
Thanks for your email dated 19 May 2020 regarding balance transfer offer on your Opus account ()
As per our terms and conditions you will no longer be eligible for the 0% interest rate. If you exceed your credit limit or do not make your contractual minimum payment on time or at all.
Therefore we are unable to re-instate your promotional offer.
I hope this has answered your query. However, if you should have any further questions, please contact us through our online Customer Servicing Website.

Update following on from comment below.
Regardless of any "new feature" you should not allow a transaction to take you above the credit limit. Plus when it is only a small amount and paid back as soon as notified you still remove all the offers. The card is a con! This card does not re-build your credit limit is ruins it. Just stay clear, its just not worth it.

Unfortunately I would not recommend this credit card, initially it was good, my credit limit grew steadily I always paid on time and never missed. Then suddenly they reduced my limit without telling me. I received a letter in the post 22 days after they had already reduced it and after I’d called to complain. Did not receive a response to my complaint only a letter stating it was taking longer to look into. I eventually paid in full and asked for the account to be closed. Months later I am still waiting for them to close and update my credit file.

I've enjoyed this Opus Credit Card very much my limit starts at £600 to £4.3K in 16 months, and I can't believe it my credit score has gone up. Also, Opus offers me a loan, and I apply £3k for it, and I couldn't believe they accepted my application. OPUS has helped me a lot. I can't thank you enough for all your support.
I always pay my bill on time, and I use my credit card responsibly.
Very easy to manage the account, I never had any problem at all online or with a customer service team.
It's made my life less stressful. I would recommend this to a friend and family. Thank you so so much. :)

Spoke to 3 operators today to get my account unlocked..useless...the 3rd one said I'll have to terminate this call why? there might be more important calls isnt mine important.?.there might be a covid 19 person calling...how do you know I'm not one of those? I can tell by your voice...Just because I was telling them I'd done what they were telling me....

Nice one Opus. You’ve suspended my account. Therefore I cannot talk to you. You are STILL hounding me for payment yet you seem unable to respond to my complaint. Today you’ve now text me to say I owe you £22 !!!! I’m in a debt management plan. Your behaviour is nothing short of harassment!!!!!?

Opus are a disgraceful company. They have reduced my credit limit by 92% without telling me. The previous limit was held for more than 5 years and balance paid in full. It will impact credit rating and all at a time of COVID 19. Customer service say they cannot do anything. Avoid this company.

Update: the public response from Ebony here implies Opus are looking into this further when all her private message said was to contact Opus using their chat feature. No response to date having raised a complaint but already this has hit my credit rating which has decreased because of the reduction in available credit.

Update 2: 8 weeks and no response from Opus

I asked to pay £50 monthly due to financial problems they accepted but im only actually paying £25 0ff because they take £25 plus interest, i thought i would be better to arrange a paymenr plan but this is morw stressful than being behind
Wish i didn't get the card im a nhs worker and doing extra hours just ro keep up the payments still i dhould of known better