Frequently Asked Questions
Will I get my payments back?
No, you don't get your payments back.
How long will it take to appear on my credit file?
Bits will appear on your Experian credit file 6-8 weeks after you sign up.
Is Bits safe to use?
Absolutely! (Bits is registered with the Information Commissioner’s Office - registration number ZA507202).
What is Bits?
Bits is a store card designed to help you build credit. You can use it for supermarket grocery shopping.
I have bad credit. Can I still use Bits?
Yes, you can, but Bits is not for everyone. There are some circumstances in which you would be better off not applying for any new credit - including Bits. For example, if you have a recent CCJ, IVA, or bankruptcy; if you are heavily indebted, or behind on bills; or if you are generally struggling to make ends meet. You can always reach out to us discuss your circumstances in more detail by emailing firstname.lastname@example.org.
How do I sign up?
Can I change my payment date?
Yes, you can do this in the app. Click on ‘Settings’ and then ‘Change my payment date.'
How do I change my billing details?
How do I cancel?
How do I pay off my Bits card balance?
If I miss a payment, will it affect my score?
Yes, if you're unable to pay on time, it could negatively affect your score.
How do I get help?
You can always email us at email@example.com if you need assistance.
I’m unable to reset my password
I signed up but didn’t get any emails
How do I speak to you?
You can book a call with a Bits team member here: https://calendly.com/getbits
Will deleting the app cancel my card?
No, deleting the app won't cancel your Bits card. To cancel, email us at firstname.lastname@example.org.
Why can’t I see Bits on ClearScore?
ClearScore uses Equifax for their credit reporting, whereas Bits is currently partnered with Experian only.
How can I track my score?
To track your score, you can download the Experian app. If it's affordable for you, you might want to consider purchasing Experian Credit Expert.
Can I use my partner’s card to pay?
Sadly, no - the card you pay with has to be in your name. This is to make sure that we comply with Experian’s rules (and the law).
How can I spend my credit limit?
Your credit limit can be spent directly in our app, in the Bits Store!