Spend control that protects you from you
Turn on auto-locking and your Bits card can stop you before you go over 20% of your limit — keeping your credit utilisation low, which is exactly what helps your score.
Your card locks automatically once usage reaches the cap.
Auto-lock at 20% usage
Optionally lock your card once you reach 20% of your limit, so a slip-up never turns into overspending.
Low utilisation, healthier score
How much of your available credit you use is a big factor in your score — and lower is generally better.
You stay in control
It's completely optional. Switch it on when you want the guardrail, and off when you don't.
Why 20%?
Credit bureaus look at how much of your available credit you're using — your utilisation. Keeping it low is one of the simplest ways to look responsible to lenders. Bits lets you cap usage at 20% so you stay comfortably in a healthy range without having to think about it.
Protects you from... you
Life happens, and it's easy to lose track mid-month. Auto-locking is a friendly guardrail: it does the discipline for you, so building credit doesn't rely on perfect willpower.
Building credit takes time and depends on your own circumstances. Missed or late repayments are reported and may negatively affect your credit score.