Risks
It's always important to know what you're getting into. To help, we've set out the key risks to our core subscription and store card products so you can decide if it is suitable for you.
Your credit score could go down
Using the product can result in your credit score going down across the main three credit bureaus — Experian, Equifax and TransUnion. Missed or late payments are reported just like on-time ones.
You could take on more debt
This is a form of borrowing, so you could get into more debt. Only spend what you can comfortably afford to repay, and keep an eye on your balance.
No guaranteed outcome
No guarantee is provided. As a result, you may not see the score benefits you're expecting — results depend on your wider credit profile and how you manage the account.
This product is not regulated
Because this product is not regulated, you may not receive the same level of protection that you'd get from a regulated credit product.
Before you apply
Please read the full terms and our regulatory status so you understand which of our services are regulated and which are not. Checking your eligibility is a soft search and won't affect your credit score.