Bits - Build Credit 4+

The best way to build credit

Fea Card Limited

    • 4.5 • 3.8K Ratings
    • Free

iPhone Screenshots


Bits is an award-winning credit builder store card which has helped thousands of people in the UK build credit for just £4/month.

With your Bits store card, you can shop in the Bits store (in app), where we offer a curated selection of electronics, and other consumer goods, available for purchase.

We also offer, to Bits members only, a number of educational credit building programs in the app, including:

- Bits School of Credit, which has hundreds of hours of educational videos on credit building

- Bits Simulator, which helps you understand what you should and shouldn't do to build credit

- Bits Rent Reporting, which helps you build credit by getting your rent reported (to Equifax)

- Bits 1 to 1: book a call with our team any time to discuss your case in more detail,

- Bits Support: we are here, and will help you in any way we can! Our email is


"My score never budged until this!!?! I signed up around a month and a half ago...and then I checked my score and it's gone up by 118 points!...a WHOLE 118 after it not moving for months" 
- unknown eidnd, 21 January

"Thank you so much! This app is a must download and worth every penny! Over the years I've had bad credit and always looked for ways to improve this... My score was 424 and increased by 35 points!! Bearing in mind I've been rejected by all major credit card companies so for this impact on my credit score is amazing as I'm trying to fix my credit.

I would recommend going for the Sapphire account once you set up to see the impact it will have on your score.

Thank you so much again!! This app is amazing!!" 
-- Amiberrie, 1 June


Bits is backed by Y Combinator (, which is a renowned US investment firm that incubated some of the world's best known consumer finance brands including Stripe, Airbnb and Dropbox.


We are a registered company in England, with Companies House number 11620703. Our company name is Fea Card Limited.

You can reach us any time via email at or by booking at call at

What’s New

Version 6.4.3

Some small design updates. Here to help at!

Ratings and Reviews

4.5 out of 5
3.8K Ratings

3.8K Ratings

cal_s18 ,

Not very happy

I initially bought the £2 a month deal then changed my mind and got the £4 one its added two negatives to my credit score and decreased it by 28 im baffled as i havent missed a payment and this was supposed to increase it not decrease it

Update: I spoke with someone on the phone who resolved my issue and i seen a 119 increase didnt know that was possible then again a month later 37 i have no increased to the £12 a month package if you have any issues i highly recommend you contact the customer service team they are there to help and do a pretty good job at it thanks as a young person a 765 score is great and it only gets better

Peevedandannoyed ,

Misleading and useless

They advertise as a store card but you can’t spend anything in any store, negative impact on my credit score but only with Experian, other CRAs have increased my score. When I read about it I thought it would be like loqbox but you get nothing back so you are simply paying them to send a computer file to Experian. It’s a total rip off and will be closing the account as I don’t see the point in paying an organisation to damage my credit rating. I will also be submitting a complaint to the FCA for misconduct. AVOID LIKE THE PLAGUE

After receiving a response from BITS I am sure that they really need to take a look at themselves. Everything is so vague and non committal and I will be looking to get all my money back as they advertise it as a store card but you can only buy goods from their store at the prices they set once they have confirmed your ID at some point in the future. Again I will say DO NOT USE THEM

Developer Response ,

Hi there, Bits is a digital store card, and your credit limit on this store card can be spent on products in our in-app store. This is available to all our customers, once you have passed our ID verification checks! I'm sorry to hear that you were unhappy with your experience. If you haven't contacted us already to close your account, please reach out at, and we will get this done for you asap.

In terms of your score decrease, it isn't uncommon for your score to drop slightly when you first open a new credit account, whether that's with Bits or any mainstream lender. Once you start making consistent payments on time across several months, your score should increase again!

unknown eidnd ,

My score never budged until this!!?!

I signed up around a month and a half ago my Experian score never budged at all, I signed up for this and then a I checked my Experian score and it’s gone up 118 point....a WHOLE 118 after it not moving for months, I think this app gave me the extra point as I was on £4 plan but have now moved up to the £12 plan and received more point 252 to be exact but they’ll go up as the weeks pass, iv always tried to get my score up after it being below 300 for years and only just going to 350 I look and have +118 and now I’m on my way to 500!!! Going to give it till April 2021 and if there’s another big increase I’m upgrading my plan to the GOLD!!!

App Privacy

The developer, Fea Card Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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