1. Home
  2. 💰 Finance
  3. Bits Credit Card and More
Bits Credit Card and More

Bits Credit Card and More

Learn and manage credit better

6.1K ratings
158 reviews
💰 Finance
Free

Details

Released
November 13, 2019
Updated
October 13, 2026

Features

Developer

Fea Card Limited
✨Promote your app ✨
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
📌Ready
Reviews summary↘︎
⭐158
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 days
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

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
Show original description

What users say about Bits Credit Card and More

Reviews of Bits Credit Card and More are mostly negative: the Finance app is rated 4.4/5 from 6.1K App Store ratings. What users like most: improved credit score, easy to use. Top complaints: login and account issues, excessive fees and charges. Summarized from real user reviews.

Positive things

  • 🚀Improved credit score
  • 👍Easy to use
  • 💡Helpful customer service

Negative things

  • 🐛Login and account issues
  • 💸Excessive fees and charges
  • 🚫Ineffective for credit building
  • 🤔Misleading advertising
See all reviews

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

Most RecentHighest RatedLowest Rated

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
PPetelyons26

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.
Show more
LLeeRoy2643

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
Eelsbellesss

Useless App

Would really help if the app was working and if the Support link didn’t reach a 401 error! How can you speak to someone if nothing works!!
CC.D.Parry

My bits app

This app started off very good even tho it charged It actually helped me out , but it’s gone down hill so fast . It did a hard check and cost me a lot on my credit score when it said it wouldn’t do a hard check on me . Also the app was very easy to use to start with but now it’s hard to use I can not find how to check my credit . Do not sign up to this app . I have tried to correspond with someone to help me use the app and I am just getting ignored I am in a situation where I can not find out if I do cancel the app it will charge me or further still damage my credit score even more . Another good system thag as been ruined by greed
Show more
JTJ tonka
See 153 more reviews

Developer apps

Bits Money
Bits Money

Understand your money better

💰 Finance

(1)

Free
See 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.