Bits Credit Card and More

Bits Credit Card and More

Learn and manage credit better

6.1K ratings
160 reviews
Free

Details

Released
November 13, 2019
Updated
October 13, 2026

Features

Bits Credit Card and More screenshot #1 for iPhone
Bits Credit Card and More screenshot #2 for iPhone
Bits Credit Card and More screenshot #3 for iPhone
Bits Credit Card and More screenshot #4 for iPhone
Bits Credit Card and More screenshot #5 for iPhone
Bits Credit Card and More screenshot #6 for iPhone
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About

This app allows users to shop for curated goods and build credit by offering a retail charge account. Responsible use of the credit line is reported to Experian, helping to improve your credit score.

✓Build credit history
✓Shop curated goods
✓Retail charge account
✓Credit score improvement
✓Reporting to Experian
✓1-to-1 support calls
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What users say about Bits Credit Card and More

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What's New in Bits Credit Card and More

12.1.2

October 13, 2026

Smarter in-app support, plus a range of improvements and bug fixes for a smoother experience.

User reviews

Impossible, rude and do not recommend

I had an old email linked with my account, tried to change it. Didn’t let me, customer service representative was rude. In the end, had to delete my whole account as for no reason at all they couldn’t activate with another email cause phone number was linked to old number.
Couldn’t help at all. Was rude, told me that I am closing this case down cause they couldn’t help yet nothing they were saying detailed exactly why. Felt an impossible conversation. Do not recommend and can’t change an email address… 🙄
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Bits

Don’t bother. Complete waste of time, was paying it for god knows how long. Score never improved and the rent reporting is a waste of time as well, never registered that I had rent reporting switched on.

Rubbish

Can’t update password on app so tried to cancel as have new card then you try take payment even tho my account is not live and then send me email saying you will report me to credit agencies I think your a scam to be honest I want my account cancelled

App crashed

I’m trying to get into the app so I can pay my credit card but it won’t let me login. It just keeps thinking over and over again. Then I’ll try and get hold of the support for the app and it won’t let you send a message. It gives you every other option apart from sending a message for an issue so I’m not sure how I’m supposed to pay my Bill to be honest.
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Since update

Used this for a while has helped massively with credit score, however Since updating the app i haven’t been able to access? So won’t be using until the app is easily accessible

Developer apps

User experience

🐞

Reported Bugs

3 issues

Payments not processing correctly

Bug

App crashes and freezes

Bug

Verification codes not being received

Bug
✨

Requested Features

3 requests

Reporting to all 3 credit bureaus

Feature

Ability to use the credit line for purchases

Feature

Clearer explanation of how the service works

Feature

FAQ

What does the Bits app do?

The app functions as an online retailer where you can shop for a selection of clothes, homeware, and other consumer goods. It also offers a retail charge account to help you build credit and improve your credit score.

How does this app help build credit?

By using the Bits retail charge account responsibly and making timely payments, your credit line usage is reported to Experian, one of the largest consumer reporting agencies. This positive reporting can help build your credit history and improve your credit score.

Is there a cost to use Bits?

The app itself is free to download and use. However, using the retail charge account involves making purchases on credit, which will need to be repaid. There may be interest or fees associated with the charge account, depending on its terms.

What kind of products can I buy?

The Bits store offers a carefully-curated selection of products. This includes items such as clothes, homeware, and other consumer goods, all available for purchase through the app.

What happens if I don't repay on time?

Not repaying on time will result in an adverse report to the credit agencies. This can negatively impact your credit score, so it is important to manage your payments responsibly.