Bits - Build Credit 4+
The best way to build credit
Fea Card Limited
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Free
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iPhone Screenshots
Description
What’s New
Ratings and Reviews
Not very happy
I initially bought the £2 a month deal then changed my mind and got the £4 one its added two negatives to my credit score and decreased it by 28 im baffled as i havent missed a payment and this was supposed to increase it not decrease it
Update: I spoke with someone on the phone who resolved my issue and i seen a 119 increase didnt know that was possible then again a month later 37 i have no increased to the £12 a month package if you have any issues i highly recommend you contact the customer service team they are there to help and do a pretty good job at it thanks as a young pe rson a 765 score is great and it only gets better
Misleading and useless
They advertise as a store card but you can’t spend anything in any store, negative impact on my credit score but only with Experian, other CRAs have increased my score. When I read about it I thought it would be like loqbox but you get nothing back so you are simply paying them to send a computer file to Experian. It’s a total rip off and will be closing the account as I don’t see the point in paying an organisation to damage my credit rating. I will also be submitting a co mplaint to the FCA for misconduct. AVOID LIKE THE PLAGUE
After receiving a response from BITS I am sure that they really need to take a look at themselves. Everything is so vague and non committal and I will be looking to get all my money back as they advertise it as a store card but you can only buy goods from their store at the prices they set once they have confirmed your ID at some point in the fut ure. Again I will say DO NOT USE THEM
Developer Response
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Hi there, Bits is a digital store card, and your credit limit on this store card can be spent on products in our in-app store. This is available to all our customers, once you have passed our ID verification checks! I'm sorry to hear that you were unhappy with your experience. If you haven't contacted us already to close your account, please reach out at hello@getbits.app , and we will get this done for you asap.
In terms of your score decrease, it isn't uncommon for your score to drop slightly when you first open a new credit account, whether that's with Bits or any mainstream lender. Once you start making consistent payments on time across several months, your score should increase again!
Really helped
I opted for the lowest monthly charge and for £2 a month it’s really helped, my score improved by 50 points (Experian) in a short time, my score has since dipped as due to the improvements I was able to get a credit card to further improve my score, using max 20% of the credit limit to cover an essential bill to keep me on track for building up my score. It was really worth it for me, I found it really useful and learning from the tips the app provides. They are really transparent with who is and isn’t suitable, for only £2 it’s worth trying for a few months to see if it helps you too.
App Privacy
Data Used to Track You
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Identifiers
Data Linked to You
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Identifiers
Data Not Linked to You
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Financial Info -
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Diagnostics
Information
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Provider -
Fea Card Limited -
Size -
75.9 MB -
Category -
Finance -
Compatibility -
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iPhone -
Requires iOS 15.0 or later.
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iPod touch -
Requires iOS 15.0 or later.
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Apple Vision -
Requires visionOS 1.0 or later.
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Languages -
English -
Age Rating -
4+ -
Copyright -
© Fea Card Limited -
Price -
Free
Supports
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