Frequently asked questions

Need help with your Bits Account?

We are always available to answer any questions you have about Bits or your Bits account. If you'd like to get in contact, send us an email at usa@getbits.app. Just browsing? Check out our FAQs below for answers to some of our regularly asked questions.

How can I pay for my order?

You can pay for your entire order up front, or you can pay for your order in two installments.

When is my payment due for orders I’ve placed?

Your outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

When will I receive my orders?

The estimated delivery time is 5-7 business days. Delivery will be completed via USPS or FedEx.

How do I cancel my orders?

Unfortunately we cannot accept order cancellations or returns once your order has been submitted. If you do change your mind about the order, you can reject the delivery and let us know for a full refund.

How do I get help?

You can always email us at usa@getbits.app if you need assistance.

Does the product selection on the Bits Store change?

Yes! We're always adding new brands and products. If there's something you'd like to see, let us know by emailing usa@getbits.app.

How can I return an item?

Because each item is printed to order, we can't accept returns of items that have been delivered.

I've received a faulty/incorrect item -- what should I do?

If you've received a faulty or incorrect item, get in touch with us at usa@getbits.app -- we'll sort it out ASAP!

Are your products exclusive to Bits?

You can now do your Costco shopping via Bits! We offer a wide range of products from https://www.costco.com and some exciting new brands, which are exclusive to Bits. You can buy t-shirts, sweaters, mugs and more! All products are hand-selected to ensure the highest quality.

Can I get a refund on my membership fee?

If you change your mind about using Bits within the first 14 days from sign up, you will receive a full refund. Send us an email at usa@getbits.app and we'll do that for you.

Bits Retail Charge Account:

Section 2

When is my payment due for orders I’ve placed on credit?

If you choose to purchase a product in installments, you will be billed partially at the point of purchase, and the remaining cost will be added to your credit line balance. Any outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

If I miss a payment, will it affect my credit score?

If your balance is not cleared by the time of your due date, it will then be overdue. We report all payment activity, good and bad, to the credit reference agencies, so this could negatively impact your credit score. The longer your payment is overdue, the greater the possibility that this will negatively impact your credit score. If you think you are not going to be able to clear your balance, please let us know at usa@getbits.app.

What is a revolving retail charge account?

Once you have been approved for a Bits retail charge account, you will be able to use this line of credit to make purchases in the Bits Store.This is great for two reasons: 1. You have more flexibility with payments, so you don't need to pay the full cost of the product straight away. 2. Building Credit! Your usage of this credit line will be reported to Experian. Having a positive history of repayments is one of the most important factors when calculating your credit score. By making your repayments on time to Bits, future lenders will be able to see this responsible behaviour - which should help with applying for other credit like credit cards or mortgages.

Are there any fees for using my retail charge account?

None at all. We do not charge any admin fees or late fees for using this credit.

What is the APR on the Bits Retail Charge Account?

Bits Retail Charge Account has 0% APR. There is no interest charged on your credit line balance.

Credit Scores and Credit Building

Section 3

How many credit scores do I have?

If you’re a credit user in the US, you’ll have 2 main credit scores - FICO and VantageScore. FICO is a third party service that has been the industry standard for a long time. The most common FICO score is FICO Score 8. For more information on the different types of FICO scores you have, and when each one is used, you can read more below: https://www.experian.com/blogs/ask-experian/why-do-i-have-so-many-credit-scores/ https://www.myfico.com/credit-education/credit-scores/fico-score-versions VantageScore is a more recent collaboration between the three largest credit reporting agencies - Experian, Equifax and TransUnion. This will provide you with one consistent score, using information from all three credit reporting agencies. You can view your FICO score here - https://www.experian.com/consumer-products/credit-score.html/ You can view your VantageScore here - https://www.equifax.com/free-credit-score/

What's the difference between my FICO and VantageScore?

Both VantageScore and FICO use the same factors to calculate your score, but their calculations lead to differing results, based on how they gather the data used. Both FICO and VantageScore issue scores ranging from 300 to 850. Here’s how they differ: 1. Length of credit history - If you don’t have a long history of credit, VantageScore will be more helpful to you, as it only requires one month of credit history to be able to generate a score. 2. Importance of late payments - If you miss a mortgage payment, this is more likely to have a greater negative impact on your VantageScore than a credit card payment would. In comparison, your FICO score will see the same impact from a late payment, regardless of the type of credit. 3. Impact of multiple hard inquiries - A hard inquiry appears on your file, and negatively impacts your score, if you make an application for credit. It’s best to only make a few applications in a short amount of time - but if you are going to do so, this is likely to have less of an impact on your FICO score than your VantageScore. 4. What the score means in terms of creditworthiness - https://www.forbes.com/advisor/credit-score/fico-vs-vantagescore-credit-scores-whats-the-difference/ There are plenty of other small differences as well. For more information, check out Experian’s guide to FICO and Vantage -https://www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/.

Why can’t I see Bits on my credit file?

You’ll only have a FICO score if you already have some credit history - at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you don’t have this, you won’t see Bits on any credit file where the FICO score is used. You should see Bits on files that use data from Experian. If you don’t, there may be a few reasons why not: 1. You’ve recently signed up. When you first open a credit account, it can take 6-8 weeks before your account is first reported to the credit reporting agencies. After this, you should see Bits on your file. 2. Your account details are incorrect. If the name, date of birth, or address you provided during sign up are incorrect or out of date, then Bits may not be associated with your current credit report. If you think this may be the case, please contact us at usa@getbits.app, so we can check and correct this for you.

Will Bits affect my FICO score or VantageScore, or both?

This will depend on the credit you have currently. If you’re very new to credit, then Bits will only be able to impact your VantageScore - this is because your VantageScore can be generated from as little as one month’s credit history. FICO, however, requires at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you already have a year of credit history, then Bits will be able to help both scores.

How do I check my credit score?

VantageScore: https://www.equifax.com/free-credit-score/ you can get your updated score and credit report for free once per month. FICO: https://www.experian.com/consumer-products/credit-score.html This will give you your FICO Score 8. You can also see if your bank or other lenders provide you your credit score for free. It may be on your statement, or you can access it online by logging into your account.

Why don’t I have a credit score?

This will depend which credit score you’re looking at - FICO or Vantage. Whilst FICO is more widespread, it is also harder to get a FICO credit score. For FICO to create a credit score for you, you'll need to have a credit account that's at least 6 months old and activity on a credit account during the previous six months - they don't need to be the same tradelines. It may be the case that your credit history is currently too new for FICO to generate a score for you. However, you will have a Vantage credit score as long as you have any credit account at all in your own name that's been open for at least 1 month. Feel free to contact us for more information, or read this helpful guide from Experian -https://www.experian.com/blogs/ask-experian/why-dont-i-have-a-credit-score.

How long does it take to build credit?

There isn’t one straight answer to this unfortunately, as building credit relies on multiple factors. “Length of credit history” accounts for about 15% of your score - meaning that it isn’t the most important (your ability to make repayments on time makes up 35%) but it’s still a decent chunk of the calculation, and should be taken seriously. In general, the longer the history of positive credit usage you have, the better. It may seem counterintuitive, but this means that if you have old credit card accounts that you don’t really use, it’s better to keep them open if possible. It takes at least 6 months for your FICO score to be generated, so be prepared to spend some time building up your credit history before applying for any significant credit, like a mortgage or auto loan.

Frequently asked questions

Need help with your Bits Account?

We are always available to answer any questions you have about Bits or your Bits account. If you'd like to get in contact, send us an email at usa@getbits.app. Just browsing? Check out our FAQs below for answers to some of our regularly asked questions.

How can I pay for my order?

You can pay for your entire order up front, or you can pay for your order in two installments.

When is my payment due for orders I’ve placed?

Your outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

When will I receive my orders?

The estimated delivery time is 5-7 business days. Delivery will be completed via USPS or FedEx.

How do I cancel my orders?

Unfortunately we cannot accept order cancellations or returns once your order has been submitted. If you do change your mind about the order, you can reject the delivery and let us know for a full refund.

How do I get help?

You can always email us at usa@getbits.app if you need assistance.

Does the product selection on the Bits Store change?

Yes! We're always adding new brands and products. If there's something you'd like to see, let us know by emailing usa@getbits.app.

How can I return an item?

Because each item is printed to order, we can't accept returns of items that have been delivered.

I've received a faulty/incorrect item -- what should I do?

If you've received a faulty or incorrect item, get in touch with us at usa@getbits.app -- we'll sort it out ASAP!

Are your products exclusive to Bits?

You can now do your Costco shopping via Bits! We offer a wide range of products from https://www.costco.com and some exciting new brands, which are exclusive to Bits. You can buy t-shirts, sweaters, mugs and more! All products are hand-selected to ensure the highest quality.

When is my payment due for orders I’ve placed on credit?

If you choose to purchase a product in installments, you will be billed partially at the point of purchase, and the remaining cost will be added to your credit line balance. Any outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

If I miss a payment, will it affect my credit score?

If your balance is not cleared by the time of your due date, it will then be overdue. We report all payment activity, good and bad, to the credit reference agencies, so this could negatively impact your credit score. The longer your payment is overdue, the greater the possibility that this will negatively impact your credit score. If you think you are not going to be able to clear your balance, please let us know at usa@getbits.app.

What is a revolving retail charge account?

Once you have been approved for a Bits retail charge account, you will be able to use this line of credit to make purchases in the Bits Store.This is great for two reasons: 1. You have more flexibility with payments, so you don't need to pay the full cost of the product straight away. 2. Building Credit! Your usage of this credit line will be reported to Experian. Having a positive history of repayments is one of the most important factors when calculating your credit score. By making your repayments on time to Bits, future lenders will be able to see this responsible behaviour - which should help with applying for other credit like credit cards or mortgages.

Are there any fees for using my retail charge account?

None at all. We do not charge any admin fees or late fees for using this credit.

How many credit scores do I have?

If you’re a credit user in the US, you’ll have 2 main credit scores - FICO and VantageScore. FICO is a third party service that has been the industry standard for a long time. The most common FICO score is FICO Score 8. For more information on the different types of FICO scores you have, and when each one is used, you can read more below: https://www.experian.com/blogs/ask-experian/why-do-i-have-so-many-credit-scores/ https://www.myfico.com/credit-education/credit-scores/fico-score-versions VantageScore is a more recent collaboration between the three largest credit reporting agencies - Experian, Equifax and TransUnion. This will provide you with one consistent score, using information from all three credit reporting agencies. You can view your FICO score here - https://www.experian.com/consumer-products/credit-score.html/ You can view your VantageScore here - https://www.equifax.com/free-credit-score/

What's the difference between my FICO and VantageScore?

Both VantageScore and FICO use the same factors to calculate your score, but their calculations lead to differing results, based on how they gather the data used. Both FICO and VantageScore issue scores ranging from 300 to 850. Here’s how they differ: 1. Length of credit history - If you don’t have a long history of credit, VantageScore will be more helpful to you, as it only requires one month of credit history to be able to generate a score. 2. Importance of late payments - If you miss a mortgage payment, this is more likely to have a greater negative impact on your VantageScore than a credit card payment would. In comparison, your FICO score will see the same impact from a late payment, regardless of the type of credit. 3. Impact of multiple hard inquiries - A hard inquiry appears on your file, and negatively impacts your score, if you make an application for credit. It’s best to only make a few applications in a short amount of time - but if you are going to do so, this is likely to have less of an impact on your FICO score than your VantageScore. 4. What the score means in terms of creditworthiness - https://www.forbes.com/advisor/credit-score/fico-vs-vantagescore-credit-scores-whats-the-difference/ There are plenty of other small differences as well. For more information, check out Experian’s guide to FICO and Vantage -https://www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/.

Why can’t I see Bits on my credit file?

You’ll only have a FICO score if you already have some credit history - at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you don’t have this, you won’t see Bits on any credit file where the FICO score is used. You should see Bits on files that use data from Experian. If you don’t, there may be a few reasons why not: 1. You’ve recently signed up. When you first open a credit account, it can take 6-8 weeks before your account is first reported to the credit reporting agencies. After this, you should see Bits on your file. 2. Your account details are incorrect. If the name, date of birth, or address you provided during sign up are incorrect or out of date, then Bits may not be associated with your current credit report. If you think this may be the case, please contact us at usa@getbits.app, so we can check and correct this for you.

Will Bits affect my FICO score or VantageScore, or both?

This will depend on the credit you have currently. If you’re very new to credit, then Bits will only be able to impact your VantageScore - this is because your VantageScore can be generated from as little as one month’s credit history. FICO, however, requires at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you already have a year of credit history, then Bits will be able to help both scores.

How do I check my credit score?

VantageScore: https://www.equifax.com/free-credit-score/ you can get your updated score and credit report for free once per month. FICO: https://www.experian.com/consumer-products/credit-score.html This will give you your FICO Score 8. You can also see if your bank or other lenders provide you your credit score for free. It may be on your statement, or you can access it online by logging into your account.

Why don’t I have a credit score?

This will depend which credit score you’re looking at - FICO or Vantage. Whilst FICO is more widespread, it is also harder to get a FICO credit score. For FICO to create a credit score for you, you'll need to have a credit account that's at least 6 months old and activity on a credit account during the previous six months - they don't need to be the same tradelines. It may be the case that your credit history is currently too new for FICO to generate a score for you. However, you will have a Vantage credit score as long as you have any credit account at all in your own name that's been open for at least 1 month. Feel free to contact us for more information, or read this helpful guide from Experian -https://www.experian.com/blogs/ask-experian/why-dont-i-have-a-credit-score.

How long does it take to build credit?

There isn’t one straight answer to this unfortunately, as building credit relies on multiple factors. “Length of credit history” accounts for about 15% of your score - meaning that it isn’t the most important (your ability to make repayments on time makes up 35%) but it’s still a decent chunk of the calculation, and should be taken seriously. In general, the longer the history of positive credit usage you have, the better. It may seem counterintuitive, but this means that if you have old credit card accounts that you don’t really use, it’s better to keep them open if possible. It takes at least 6 months for your FICO score to be generated, so be prepared to spend some time building up your credit history before applying for any significant credit, like a mortgage or auto loan.

Frequently asked questions

Need help with your Bits Account?

We are always available to answer any questions you have about Bits or your Bits account. If you'd like to get in contact, send us an email at usa@getbits.app. Just browsing? Check out our FAQs below for answers to some of our regularly asked questions.

How can I pay for my order?

You can pay for your entire order up front, or you can pay for your order in two installments.

When is my payment due for orders I’ve placed?

Your outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

When will I receive my orders?

The estimated delivery time is 5-7 business days. Delivery will be completed via USPS or FedEx.

How do I cancel my orders?

Unfortunately we cannot accept order cancellations or returns once your order has been submitted. If you do change your mind about the order, you can reject the delivery and let us know for a full refund.

How do I get help?

You can always email us at usa@getbits.app if you need assistance.

Does the product selection on the Bits Store change?

Yes! We're always adding new brands and products. If there's something you'd like to see, let us know by emailing usa@getbits.app.

How can I return an item?

Because each item is printed to order, we can't accept returns of items that have been delivered.

I've received a faulty/incorrect item -- what should I do?

If you've received a faulty or incorrect item, get in touch with us at usa@getbits.app -- we'll sort it out ASAP!

Are your products exclusive to Bits?

You can now do your Costco shopping via Bits! We offer a wide range of products from https://www.costco.com and some exciting new brands, which are exclusive to Bits. You can buy t-shirts, sweaters, mugs and more! All products are hand-selected to ensure the highest quality.

When is my payment due for orders I’ve placed on credit?

If you choose to purchase a product in installments, you will be billed partially at the point of purchase, and the remaining cost will be added to your credit line balance. Any outstanding balance will need to be cleared once a month, on the same day that you pay your monthly fee.

If I miss a payment, will it affect my credit score?

If your balance is not cleared by the time of your due date, it will then be overdue. We report all payment activity, good and bad, to the credit reference agencies, so this could negatively impact your credit score. The longer your payment is overdue, the greater the possibility that this will negatively impact your credit score. If you think you are not going to be able to clear your balance, please let us know at usa@getbits.app.

What is a revolving retail charge account?

Once you have been approved for a Bits retail charge account, you will be able to use this line of credit to make purchases in the Bits Store.This is great for two reasons: 1. You have more flexibility with payments, so you don't need to pay the full cost of the product straight away. 2. Building Credit! Your usage of this credit line will be reported to Experian. Having a positive history of repayments is one of the most important factors when calculating your credit score. By making your repayments on time to Bits, future lenders will be able to see this responsible behaviour - which should help with applying for other credit like credit cards or mortgages.

Are there any fees for using my retail charge account?

None at all. We do not charge any admin fees or late fees for using this credit.

How many credit scores do I have?

If you’re a credit user in the US, you’ll have 2 main credit scores - FICO and VantageScore. FICO is a third party service that has been the industry standard for a long time. The most common FICO score is FICO Score 8. For more information on the different types of FICO scores you have, and when each one is used, you can read more below: https://www.experian.com/blogs/ask-experian/why-do-i-have-so-many-credit-scores/ https://www.myfico.com/credit-education/credit-scores/fico-score-versions VantageScore is a more recent collaboration between the three largest credit reporting agencies - Experian, Equifax and TransUnion. This will provide you with one consistent score, using information from all three credit reporting agencies. You can view your FICO score here - https://www.experian.com/consumer-products/credit-score.html/ You can view your VantageScore here - https://www.equifax.com/free-credit-score/

What's the difference between my FICO and VantageScore?

Both VantageScore and FICO use the same factors to calculate your score, but their calculations lead to differing results, based on how they gather the data used. Both FICO and VantageScore issue scores ranging from 300 to 850. Here’s how they differ: 1. Length of credit history - If you don’t have a long history of credit, VantageScore will be more helpful to you, as it only requires one month of credit history to be able to generate a score. 2. Importance of late payments - If you miss a mortgage payment, this is more likely to have a greater negative impact on your VantageScore than a credit card payment would. In comparison, your FICO score will see the same impact from a late payment, regardless of the type of credit. 3. Impact of multiple hard inquiries - A hard inquiry appears on your file, and negatively impacts your score, if you make an application for credit. It’s best to only make a few applications in a short amount of time - but if you are going to do so, this is likely to have less of an impact on your FICO score than your VantageScore. 4. What the score means in terms of creditworthiness - https://www.forbes.com/advisor/credit-score/fico-vs-vantagescore-credit-scores-whats-the-difference/ There are plenty of other small differences as well. For more information, check out Experian’s guide to FICO and Vantage -https://www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/.

Why can’t I see Bits on my credit file?

You’ll only have a FICO score if you already have some credit history - at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you don’t have this, you won’t see Bits on any credit file where the FICO score is used. You should see Bits on files that use data from Experian. If you don’t, there may be a few reasons why not: 1. You’ve recently signed up. When you first open a credit account, it can take 6-8 weeks before your account is first reported to the credit reporting agencies. After this, you should see Bits on your file. 2. Your account details are incorrect. If the name, date of birth, or address you provided during sign up are incorrect or out of date, then Bits may not be associated with your current credit report. If you think this may be the case, please contact us at usa@getbits.app, so we can check and correct this for you.

Will Bits affect my FICO score or VantageScore, or both?

This will depend on the credit you have currently. If you’re very new to credit, then Bits will only be able to impact your VantageScore - this is because your VantageScore can be generated from as little as one month’s credit history. FICO, however, requires at least one credit line, which has been open for more than 6 months, and a credit line with some activity during 6 months preceding that. If you already have a year of credit history, then Bits will be able to help both scores.

How do I check my credit score?

VantageScore: https://www.equifax.com/free-credit-score/ you can get your updated score and credit report for free once per month. FICO: https://www.experian.com/consumer-products/credit-score.html This will give you your FICO Score 8. You can also see if your bank or other lenders provide you your credit score for free. It may be on your statement, or you can access it online by logging into your account.

Why don’t I have a credit score?

This will depend which credit score you’re looking at - FICO or Vantage. Whilst FICO is more widespread, it is also harder to get a FICO credit score. For FICO to create a credit score for you, you'll need to have a credit account that's at least 6 months old and activity on a credit account during the previous six months - they don't need to be the same tradelines. It may be the case that your credit history is currently too new for FICO to generate a score for you. However, you will have a Vantage credit score as long as you have any credit account at all in your own name that's been open for at least 1 month. Feel free to contact us for more information, or read this helpful guide from Experian -https://www.experian.com/blogs/ask-experian/why-dont-i-have-a-credit-score.

How long does it take to build credit?

There isn’t one straight answer to this unfortunately, as building credit relies on multiple factors. “Length of credit history” accounts for about 15% of your score - meaning that it isn’t the most important (your ability to make repayments on time makes up 35%) but it’s still a decent chunk of the calculation, and should be taken seriously. In general, the longer the history of positive credit usage you have, the better. It may seem counterintuitive, but this means that if you have old credit card accounts that you don’t really use, it’s better to keep them open if possible. It takes at least 6 months for your FICO score to be generated, so be prepared to spend some time building up your credit history before applying for any significant credit, like a mortgage or auto loan.

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Start building credit today, from $6/month.

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Bits Card, Inc.


Bits USA is powered by Bits Card Inc which has its principal office at 368 9th Avenue, New York, NY 10001.


For support, please email us at usa@getbits.app.


All Bits accounts are subject to ID Verification.


Individual borrowers must be a U.S. Citizen, permanent resident, or non-resident U.S. Alien and at least 18 years old. Valid bank account is required. All accounts are subject to ID verification and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All accounts are subject to approval.