What’s included, what’s possible, and how to make it work for you

Changing your membership

You can upgrade, downgrade, or alter the features within your membership at any time. Log in to manage your membership.

When you downgrade…

• We'll close your digital credit-building card
• You will still need to pay for any weeks you've had access to on 1st of the next month (clearing your balance)
• There are a couple of considerations, so take a look at how downgrading works before you go ahead

The repayments send positive signals to the Credit Reference Agencies (CRAs). It’s those positive signals that build your credit history.

Is your membership working?

The best way to check if your membership is helping to build your credit is to look at your credit history.

You can check it for free using any of the three main CRAs, Experian, Equifax or TransUnion, or through banks or apps that use their data, like ClearScore, Credit Karma, or MoneySuperMarket’s Credit Monitor.

Most of them update your credit history monthly, so checking once a month is enough to track your progress.

Look out for changes like:

• A higher score
• More accounts listed
• On-time payments are showing up

Progress can feel slow sometimes, but steady habits do pay off. Stick with it!