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.
Summarized from real user reviews of Bits Credit Card and More. Based on 6.1K reviews and a 4.4/5 average, it highlights the 3 positives and 4 negatives reviewers mention most about this Finance app.
11.2.1
July 9, 2026
Refreshed the leaderboard to give everyone a more personalized view of their standing.
3 issues
Payments not processing correctly
App crashes and freezes
3 requests
Reporting to all 3 credit bureaus
Ability to use the credit line for purchases
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.
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.
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.
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.
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.
