{"id":488496,"date":"2023-05-30T10:19:12","date_gmt":"2023-05-30T09:19:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=488496"},"modified":"2026-02-10T12:47:02","modified_gmt":"2026-02-10T12:47:02","slug":"cardeo","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/cardeo","title":{"rendered":"Cardeo review"},"content":{"rendered":"<div class=\"importantText importantText__callout\">\n  <p>As of November 2023, Cardeo has ceased activity. Existing customers will be contacted about next steps. We\u2019ve kept this review for historical purposes.<\/p>\n<\/div>\n\n\n\n\n\n\n\n<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; 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} }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.cardeo.com\/\" class=\"luna-button luna-button--primary\">Return to Cardeo<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Missing a card payment can land you with a late payment fee and even harm your credit rating. Cardeo was a free app that aimed to help you keep on track with payments. But was it worth using, and how did it make money?<\/p><h3>What is Cardeo?<\/h3><p>Established in 2020, Cardeo was a fintech company that says it aimed to make credit cards fairer for UK consumers. According to Cardeo, 14.5 million people are trapped paying an average of almost \u00a31,000 in credit card interest every year. <\/p><p>Cardeo combined Open Banking data with artificial intelligence (AI) to help consumers who weren\u2019t on track to save on interest and fees while keeping their existing credit cards. <\/p><p>You could manage your accounts, set repayment goals and use automated repayments in the app so you would never forget a credit card payment again. <\/p><p>Eligible customers were also offered Cardeo Credit, which was a flexible line of credit to help cardholders refinance their credit card borrowing to a lower rate, on a rolling basis.<\/p><h3>How does Cardeo work?<\/h3><p>Cardeo brought together data from all your credit cards into a single view using Open Banking. You could see your total borrowing and spending habits, as well as set personal targets to repay your credit card debt.<\/p><p>Cardeo\u2019s AI calculated the most efficient way to help you meet these targets, by working out the payback time from your current borrowing, interest rates, and spending. Its payment plan offered you the ability to set a repayment budget each month and choose how to allocate your budget against each of your credit cards.<\/p><p>You could choose from 3 repayment options:<\/p><ul><li><strong>Manually.<\/strong> Here, you chose the amount you wanted to pay towards each credit card.<\/li><li><strong>Avalanche method.<\/strong> This showed you your credit cards in order of interest rate, and will focus on paying off the highest interest rate debt first.<\/li><li><strong>Snowball method.<\/strong> This showed you your credit cards in balance order, enabling you to pay off your smallest balances first.<\/li><\/ul><p>Cardeo took just one monthly payment from you and sent it to your card providers on your behalf, so you didn\u2019t have to manage multiple payments. You could also choose the payment date that suited you best each month.<\/p><p>You could pause or edit your payment plan whenever you needed to, and you could also make extra repayments to your cards in months you had a little extra cash.<\/p><h3>Cardeo features<\/h3><p>The key features of Cardeo are:<\/p><ul><li><strong>All accounts in one place.<\/strong> Cardeo used Open Banking to unlock your credit card data and enable you to manage all your cards in one place. It also gave you insight on your borrowing and spending.<\/li><li><strong>Target setting.<\/strong> You could use the Cardeo calculator to set a monthly amount or end date to clear your credit cards.<\/li><li><strong>Choice of payment plans.<\/strong> Once you set a target, you could then choose how to split your repayments to make them easier and less expensive. Payment plans could be edited at any time.<\/li><li><strong>Single monthly payment.<\/strong> Cardeo collected a single monthly payment from you and sent it to your card providers.<\/li><li><strong>Flexible repayments.<\/strong> You could to make additional repayments to your cards whenever you wanted to.<\/li><li><strong>Additional products.<\/strong> Cardeo offered deals on a range of products such as mobile phones and car insurance.<\/li><\/ul><h3>How much did Cardeo cost?<\/h3><p>The Cardeo app was free to download and use. There were no in-app purchases or charges associated with the service. Instead, Cardeo made its money through affiliate marketing within the app and may have received payments from third parties when you took up a product or deal (such as insurance) in the app.<\/p><h3>Who was eligible for Cardeo?<\/h3><p>Cardeo was designed to help all UK credit cardholders. You needed to be a UK resident and at least 18 years old.<\/p><p>To create a payment plan, you had to undergo identity verification checks to set up an e-money account. This was the account that received your funds before they were paid to your credit card providers. <\/p><h3>What providers worked with Cardeo?<\/h3><p>Cardeo connected with most UK credit card providers. Some of the providers included:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li>Adam &amp; Company<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/aib\">AIB UK<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">American Express<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/aqua\">Aqua (NewDay)<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/bank-of-scotland\">Bank of Scotland<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\">Barclaycard<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/bip\">Bip<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/capital-one\">Capital One<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/coutts-and-co\">Coutts<\/a><\/li><li>Creation<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/danske-bank-mastercard-standard\">Danske Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/first-direct\">First Direct<\/a><\/li><li>Fluid<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/halifax\">Halifax<\/a><\/li><li>Hoares<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/hsbc\">HSBC<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/lloyds-bank\">Lloyds Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\">M&amp;S Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mbna\">MBNA<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/nationwide\">Nationwide<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/natwest\">NatWest<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/pulse-card-review\">Pulse<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rbs\">RBS<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/sainsburys-bank\">Sainsbury\u2019s Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/santander\">Santander<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\">Tesco Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tsb\">TSB<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/ulster-bank\">Ulster Bank<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/vanquis\">Vanquis<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/virgin-money\">Virgin Money<\/a><\/li><\/ul><\/div><\/div><h3>Pros and cons of using Cardeo<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Could help you to pay off your credit card debt faster and more cheaply<\/li>\n                                    <li>Flexible repayments<\/li>\n                                    <li>Choice of payment plans that could be changed at any point<\/li>\n                                    <li>Only one repayment to make each month<\/li>\n                                    <li>Free to use for all UK credit cardholders<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Not all UK credit card providers work with Cardeo<\/li>\n                                    <li>You\u2019ll need to be happy managing your cards via an app<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Alternatives to Cardeo<\/h3><p>If you wanted to ensure you paid off your card balance each month, you could usually just set up a direct debit for each card to pay off the full balance.<\/p><p>At the moment, it was difficult to find any direct competitors of Cardeo in the UK. That meant your main alternative to Cardeo was to use a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">balance transfer credit card<\/a> and combine all your credit card debt onto the one card. This could make it much easier to manage as you only had one monthly repayment to make. Plus, if you took advantage of a 0% introductory deal, you\u2019d benefit from interest-free payments for a number of months.<\/p><p>However, there would usually be a balance transfer fee to pay \u2013 typically around 2% to 3% of the amount transferred \u2013 and if you didn\u2019t clear your balance before the end of the 0% period, you\u2019d start paying interest. To avoid this, you\u2019d need to transfer your remaining debt to another 0% balance transfer card and pay another transfer fee.<\/p><h3>Our verdict<\/h3><p>If you had multiple credit cards and struggled to monitor and keep up with your different repayments, Cardeo offered a free and easy way to help you manage them all in one place. Plus, you got to choose your own repayment plan to help you pay off your debts faster.<\/p><p>However, Cardeo was less likely to be of use if you only had one or two credit cards to juggle. That\u2019s because it was easy to set up a monthly direct debit yourself which made your repayments on time and ensured you never miss one. <\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Does Cardeo connect with all credit cards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Cardeo connected with almost all credit card providers in the UK. It was working on adding more credit card providers, but this involved getting all UK credit cards compliant with open banking law. You could see a list of the supported cards on the Cardeo website, as well as vote for the cards you wanted most and get notified when they were added to Cardeo.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How does Cardeo save me money?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Cardeo will send you payment reminders to ensure you make your monthly credit card repayments on time. This enables you to avoid extra interest and late payment fees from your card provider. You can also choose to focus on paying off your highest interest rate credit cards first, so that you clear these faster and save money.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Does Cardeo affect your credit score?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Cardeo sent you payment reminders to ensure you made your monthly credit card repayments on time. This enabled you to avoid extra interest and late payment fees from your card provider. You could also choose to focus on paying off your highest interest rate credit cards first, so that you cleared these faster and saved money.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Is Cardeo safe?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>When you made payments through Cardeo, your money was stored in an e-wallet account before being sent to your credit cards. Cardeo partnered with e-money firm Modulr to provide your wallet, and Modulr safeguarded your funds in a separate account. That meant your money was protected if Modulr collapsed. However, your funds weren\u2019t protected by the Financial Services Compensation Scheme (FSCS).<\/p><p>Cardeo connected to your accounts in an encrypted way using standard and highly secure open banking.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Is Cardeo regulated?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, Cardeo is authorised and regulated by the Financial Conduct Authority (FCA) as a registered account information services provider. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Does Cardeo use open banking?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, Cardeo used open banking to collate all your credit card data. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn more about how the Cardeo app could help you pay off your credit card debts.<\/p>\n","protected":false},"author":1047,"featured_media":488502,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[2565,3750],"asset_tag":[],"class_list":["post-488496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-latest-3","tag-money-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cardeo review | Can it really help manage credit card debt?<\/title>\n<meta name=\"description\" content=\"We explore how Cardeo uses AI and open banking to help you to pay off your credit card debts more quickly and cheaply.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cardeo\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cardeo review\" \/>\n<meta property=\"og:description\" content=\"We explore how Cardeo uses AI and open banking to help you to pay off your credit card debts more quickly and cheaply.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/cardeo\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-30T09:19:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/01\/Cardeo-featured.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Rachel Wait\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/rachelwait?lang=en\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rachel Wait\" 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