# Bits Credit Card and More — user reviews > 153 indexed App Store user reviews of Bits Credit Card and More by Fea Card Limited, rated 4.42/5 from 6,080 ratings. - Source: https://appshunter.io/ios/app/bits-credit-card-and-more/id1458682017/reviews - App overview in markdown: https://appshunter.io/ios/app/bits-credit-card-and-more/id1458682017.md - Rating breakdown: 5★ 5 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 3 ## What do users think of Bits Credit Card and More? Overall sentiment: negative **Pros** - 🚀 Improved credit score - 👍 Easy to use - 💡 Helpful customer service **Cons** - 🐛 Login and account issues - 💸 Excessive fees and charges - 🚫 Ineffective for credit building - 🤔 Misleading advertising **Commonly reported bugs** - Payments not processing correctly - App crashes and freezes - Verification codes not being received **Most requested features** - Reporting to all 3 credit bureaus - Ability to use the credit line for purchases - Clearer explanation of how the service works ## Newest reviews (15 of 153) ### 2/5 — Shocking now *2026-08-18, version 11.3.3* At first I had a small improvement but then I had a medical condition that made me struggle with the payments they cancelled my card yet continued to charge me for the account also your charged for the account but u dont used the catalog account just the card part no help at all the app says clear ur account and apply for new card yet customer service says no chance what help are you ### 3/5 — App Crashes a lot *2026-08-14, version 11.3.3* Every couple of weeks the app doesn’t load, logs me out and says “verification code sent to phone” which never arrives. I have to uninstall the app, redownload and log back in. It’s annoying and makes me not want to use the app. ### 2/5 — It’s all ai *2026-08-06, version 11.3.2* Great to start with now being charged twice for monthly fee and what I use and I cannot speak to a human being about it and no one replies to the emails because it’s AI! Its ridiculous ### 4/5 — Had previous 2 accounts opened now opened third time *2026-07-18, version 11.2.1* Well yeah great for easy setup via the app and identification process past two times had account opened the standard 14 pound one but didn’t use it both times. Now I’ve gone for the 42 pound monthly plan hopefully should be great for raising my credit score let’s see ### 1/5 — Scam *2026-06-30, version 11.1.1* This is a scam ### 1/5 — Terrible *2026-06-28, version 11.1.1* Took my money and won’t let me take a picture of my id without staying blurred so I can’t buy anything ### 1/5 — Absolute joke *2026-06-06, version 11.0.7* Opened an account Fraud was commited on my account in less than a week No one responds to emails Money was taken for a purchase i never made Avoid avoid avoid ### 1/5 — Total scams *2026-05-11, version 11.0.2* Beware ### 1/5 — Scam *2026-04-25, version 11.0* This is pretty much a scam. False promises of guaranteed limits until you pay your membership and then you have a 30 day wait before any credit card, without guarantee.. I’m really surprised at Apple for allowing this in the Ecosystem ### 1/5 — The worse card system *2026-04-22, version 11.0* I had this account for the last 18 months they never give you a higher limit than £50 and they ask for a repayment weekly, then the so called store card you can only buy gift cards for which you have to pay upfront 30% it’s an AI generated account and a total scam in my opinion! Customer service in Gibraltar good luck with that one! ### 1/5 — Unusable *2026-04-09, version 10.3.1* The app allows me to log in with my details but once I put the code in it takes me back into log in everytime. Simply can not access my account ### 1/5 — No fast increase *2026-03-20, version 10.2.11* I have the credit card in which you have to pay £14 a month l don’t know why really Credit limit is very poor only £50 in which you have to pay every week ### 4/5 — "Resolved" by Doing Nothing: The AI Support Trap *2026-02-03, version 10.2.7* Your support system is a complete failure. An AI bot promised me human assistance, ghosted me, and then marked my unresolved ticket as 'closed' within 24 hours. This isn't efficiency; it’s a gatekeeping tactic to avoid dealing with customers. I have rarely experienced a more dismissive and cynical approach to customer care ### 1/5 — Absolute nightmare *2026-02-01, version 10.2.7* Phone lines aways full. Card randomly declines. Fraud not taken seriously (ironically they replied faster to my 1 star review on google play). Avoid bits at all cost you heard it here first ### 1/5 — Useless *2025-12-17, version 10.2.6* It’s only £50 and you have to pay it back weekly which makes no sense because only kids get paid weekly, most people get paid monthly or bi-weekly. Also they will cut you off for no reason. I was paid up completely and they cancelled my card. Everyone just apply for Zable or capital one instead must better.! ## Most critical reviews (10 lowest-rated) ### 1/5 — Avoid. Lies about "approving everyone"... then lies about why they decline people with CCJs *2026-08-25, version 11.3.3* I downloaded Bits because its advertising explicitly claimed it “approves everyone”. After providing my details and verifying my identity, my subscription was declined, simply because I have an old CCJ. Bits then falsely claimed this was for “legal reasons”, and when challenged replied saying that their phrase 'approve everyone' (and I quote "should not be understood as overriding an eligibility assessment." If an 'eligibility assessment' means you don’t approve everyone, then advertising that you “approve everyone” is just lies. I am certainly legally eligible. It's just that they've decided for commercial reasons I'm not eligible for their subscription. So how is that "approving everyone?" And then just trying to weasel their way out of it is just pathetic, particularly as they are gaslighting me into believing there is a legal reason they cannot take me on as a customer, when that is just another lie. ### 1/5 — TRAPPED INTO PAYING MONTH AFTER MONTH *2026-08-13* They make it sound simple and easy: just pay X amount every month to improve your credit. But BE CAREFUL. One you agree to pay that money every month you CANNOT get out of it. They are not money lenders but they will behave like them when you miss a payment. I was paying £30 a month to improve my credit. After using it for a while, I decided to stop. I never borrowed any money from them or took out any kind of loan, but nonetheless, I am STUCK. They continue trying to take payments from my account, and customer service won’t help. They treat you as though you’re trying to stop off a credit card or a loan. This is supposed to be a credit improvement service, yet they treat you like debtor when you simply want to stop using it. BE VERY CAREFUL, this is not like paying a subscription - you are forced into an agreement regardless of whether you borrow money or not. **Developer response:** Hi, Thank you for your message. We’re sorry to hear about your experience. With Bits, you can cancel your account at any time and may be eligible for a refund if you cancel within the first 14 days. Please email us at hello@getbits.app from the address linked to your account, and our team will review what happened and help get this resolved for you. Kind Regards Leenesh Bits Customer Support ### 1/5 — No customer support *2026-08-10, version 11.3.3* Been trying to talk to someone to sort out my identification for my Bits Credit Card however i’ve had no response and no support since paying my £14 fee ### 1/5 — Not for me *2026-08-10, version 11.3.3* Wasn’t for me. ### 1/5 — Help *2026-07-28, version 11.2.2* I can’t access my account as it got my old number on ### 1/5 — Disappointed *2026-07-18, version 11.2.1* I do use the credit card function and pay the £14.00 subscription and had no issues which is fine. What I do have issue is with being further charged £9.99 for a money building app that said would increase my credit limit for my credit card. It hasn’t increased it nor is there way to cancel the subscription. I’m sure under the Digital Markets, Competition and Consumers (DMCC) Act 2024 and the Consumer Contracts Regulations 2013 there should be an option to “click to cancel “ so the fact there isn’t is really sketchy and makes me now feel quite insecure about using Bits as a company if they are skirting consumer and financial laws. I have been paying since Feb for something that has done nothing that it said it would and I want that money back. I’m really disappointed in Bits. ### 1/5 — £14 per month? Rip off merchants *2026-07-18, version 11.2.1* Far too expensive. ### 1/5 — Miss *2026-07-08, version 11.1.3* I’ve been a Bits customer since October 2022, but unfortunately I can no longer access my account. The SMS verification code required to log in is never delivered, despite my phone number remaining the same for over six years. I’ve contacted customer support multiple times, explained the issue in detail, and followed every instruction provided. Unfortunately, my case was repeatedly misunderstood—I was sent password reset links even though resetting my password was never the problem. The real issue is that I cannot receive the login verification code, making it impossible to access the app. After several emails and a long wait, the issue still hasn’t been resolved. As a long-term customer, this has been extremely frustrating. I can’t recommend the service in its current state because if you’re locked out of your account, getting the problem resolved is far more difficult than it should be. ### 1/5 — Mr j Davidson *2026-07-07, version 11.1.3* Stole my money ### 1/5 — App keeps logging me out *2026-07-04, version 11.1.2* Keep getting logged out of the app when. I’m in it or using my card been happening for Months ## Most praised reviews (10 highest-rated) ### 5/5 — Wrong info *2026-07-28, version 11.2.2* They say everyone can have a card but someone lied then they say no ### 5/5 — Fantastic easy to use *2026-07-15, version 11.2.1* Great app and great customer service ### 5/5 — Cherie Haydon *2026-07-04, version 11.1.1* My bits credit card is a God send to me❤️ ### 5/5 — Appreciate you *2026-06-28, version 11.1.1* Appreciate you ### 5/5 — Bit’s app *2026-03-07, version 10.2.7* Good for building credit score and emergency money ### 5/5 — Mate if u don’t know get to know *2025-10-29, version 10.1.5* ***** ### 5/5 — Mr *2025-09-29, version 10.1.3* Cristiano Andrade ### 5/5 — Mr David carter *2025-06-04, version 10.0.13* Really helpful score has gone up already ### 5/5 — Mr William Mottram *2025-02-16, version 10.0.5* I am a home owner mortgage free ### 5/5 — Amazing credit builder *2024-12-06, version 10.0.1* I’ve never been one to pay things on time due to companies messing me about, I have bad mental health but the BITS team are incredible and I’ve never missed a payment. Outstanding --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*